Winter Rainy Season
Anywhere It Can Rain, It Can Flood.
Floods are the most common natural disaster in the United States. And you don't need to live on the
coast to be at risk. Flash floods, inland flooding, and seasonal storms affect every region of the
country, severely damaging homes and businesses.
See what causes flooding with our Flood Risk Scenarios Tool
PRIMARY RESIDENCE DISCLAIMER
For flood insurance rating purposes, a primary residence is a building that will be lived in by the insured or the insured's spouse for at least 80 percent of the 365 days following the policy effective date. If the building will be lived in for less than 80 percent of the policy year, it is considered to be a non-primary residence.