Those who live in communities where flooding is considered a high-risk factor have a one-in-four chance of flooding over the course of a 30-year mortgage. It isn’t just the high-risk areas that need to be concerned with rising waters and potential storm floods; nearly 25 percent of all flood claims are in low-to-moderate risk areas.

Florida homeowners historically had few options when it came to flood insurance. The National Flood Insurance Program (NFIP) is expensive, restrictive, and often a last resort option.

These are six reasons why everyone needs flood insurance.