While not everyone needs flood insurance, it can be a devastating event if flood damage occurs and you aren’t covered. While your standard homeowner’s insurance policy will cover the run-of-the-mill rain damage, it will NOT cover damage from a deluge of water, or mud flow, that is caused by rising water from rivers, lakes, streams, oceans and such.
Flood insurance covers losses incurred by water rising from the ground level. Particularly in Southern California, and desert communities such as the Antelope Valley, this can be an issue as most often everything appears quite dry. You may be in a 100-year flood plain and not know it until rising waters heavily damage your home and personal belongings.
And it does not take feet of water to cause serious damage, even a few inches of flooding can destroy floors, walls, electrical connections, personal property, furniture… You get the idea.
Most policies have a 30-day wait period. Generally you won’t be able to get flood insurance when you hear of upcoming severe storms, so it is best to prepare early.