Damage to buildings and personal property as a result of a flood from groundwater rises can occur at anytime even in low-risk areas and is not covered under your homeowners policy. Even if your home is not located in a flood zone, according to the National Flood Insurance Program (NFIP) at least 20% of all flood insurance claims come from low to moderate-risk areas. Flood insurance is generally affordable with the average policy cost being about $500 per year. Flood insurance is easy to obtain and is available through some private insurance carriers and the NFIP. Make sure your home and or business is protected when the next tropical storm system or slow moving thunderstorm complex visits and causes an unexpected flood!