Hurricane season is the time to be vigilant. Even passing storms can cause significant flooding, and even an inch of water in the home can cause extensive and expensive water damage.

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.