2025-04-03T16:01:01.000Z

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Your home is the most important — and most expensive — thing you own. Unfortunately, many costly perils, like floods, threaten your investment. In fact, an inch of floodwater can cause as much as $25,000 in damage. For You: 25 Places To Buy a Home If You Want It To Gain Value Read Next: 6 Hybrid Vehicles To Stay Away From in Retirement Fortunately, insurance policies exist to help mitigate this risk. But should you buy flood insurance in 2025 when coverage prices are on the rise? We asked multiple experts this question — keep reading to learn if they think flood insurance is worth it. Also here are 10 high-flood-risk areas that people are still moving to. Should You Get Flood Insurance? Expert opinion on our central question varied from “it depends” to “absolutely.” We broke their insights into three distinct camps below. Check Out: 5 Types of Homes Expected To Plummet in Value by the End of 2025 Make an Educated Decision “Flood insurance is the only way for a homeowner to protect their financial interest in their home and possessions if a flood damages or destroys their property. Homeowners should get flood insurance if their property is at risk of flooding,” said Melanie Musson, home insurance expert with Clearsurance.com. Musson encouraged readers to check their risk on the Federal Emergency Management Agency (FEMA) website. Just enter your address and look at the map, which shows different levels of flood risk. “You don’t need flood insurance if your home is at no risk of flooding,” Musson added. “You should carry flood insurance if you have a minimum risk of one flood in 100 years.” Greg Martin, president of Think Safe Insurance, encouraged readers to find out how much coverage would cost. “You should always get a quote for flood [insurance], so you at least know how much the rate would be,” he said. “Then, you can make an educated decision on whether or not the peace of mind of having the protection is worth it for you. Many people assume that it is very expensive, but it is often much more affordable than you expect.” Coverage Is Essential E. Tyler Ardron, executive vice president of Floodproofing.com, took a hard stance on this topic. “Everyone — and yes, I mean everyone — should have flood insurance, regardless of whether you live in a designated flood zone. Forty percent of National Flood Insurance Program (NFIP) claims are from outside of high-risk flood areas, showing the value of flood insurance for everyone. While it may seem like an additional expense, it can protect you from the devastating financial impact of a flood and give you peace of mind.”