Top 5 Flood Insurance Myths Homeowners in WA, FL, TX, ID & AZ Shouldn’t Believe
Flood insurance is one of the most misunderstood types of coverage among homeowners—yet it's one of the most essential. Across Washington, Florida, Texas, Idaho, and Arizona, many residents are unprepared for flood risks because they believe myths that could leave their homes—and finances—vulnerable.
At Insurance Alliance, we help clear the confusion so you can make informed decisions about protecting your home from flood damage.
Myth #1: "My Homeowners Insurance Covers Flooding"
Fact: It doesn’t.
Standard homeowners policies exclude flood damage caused by rising water from outside your home. To cover this risk, you need a
separate flood insurance policy—either through the National Flood Insurance Program (NFIP) or a private carrier.
Myth #2: "I’m Not in a High-Risk Zone, So I Don’t Need It"
Fact: Over 25% of all flood claims come from outside high-risk zones.
Flooding can happen anywhere. Monsoons in
Arizona, snowmelt in
Idaho, and inland storms in
Texas are just a few examples of how even “low-risk” areas can face serious damage.
Myth #3: "I’ll Just Get Government Assistance If I Flood"
Fact: Federal disaster aid is not guaranteed—and it’s usually a
loan you must repay.
Flood insurance provides a guaranteed payout to help you repair your home and replace belongings without going into debt.
Myth #4: "Flood Insurance Is Too Expensive"
Fact: Many policies are affordable, especially for homes in moderate-to-low risk zones.
At Insurance Alliance, we help you explore NFIP and private options in
WA, FL, TX, ID, and
AZ, so you can find coverage that fits your budget and risk profile.
Myth #5: "I Can Buy a Policy Right Before the Storm"
Fact: Most flood policies have a
30-day waiting period.
You can’t buy coverage the day before a flood and expect it to help. That’s why it’s critical to plan ahead—before storm season or snowmelt begins.
How Insurance Alliance Can Help
We specialize in flood insurance for homeowners across all five states. Our team:
- Explains your real flood risk—not just what the maps say
- Reviews your current coverage and identifies any gaps
- Provides quotes from top carriers and NFIP options
- Helps you understand limits, deductibles, and exclusions
- Delivers ongoing support if you ever need to file a claim
Whether you live near water or far from it, having accurate information—and the right policy—can make all the difference.
Don’t Let Flood Myths Sink Your Home
Floods don’t care about myths, but your insurance provider should. Contact Insurance Alliance today for a flood insurance quote and make sure your home is protected in WA, FL, TX, ID, or AZ.
