PolicyScopes

 Flooding is involved in roughly 90% of natural disasters in the United States, yet only about 4% of American homeowners actually carry flood insurance. The federal program most people assume exists as a safety net — the National Flood Insurance Program — lapsed once already in late 2025, and its current reauthorization runs out on September 30, 2026, raising a genuine possibility that new flood policies could pause again right as hurricane season peaks. That combination — enormous, common risk, and remarkably low protection against it — makes this one of the most consequential gaps in personal insurance coverage today. It's also one of the most misunderstood, starting with a single fact worth stating as plainly as possible. For how flood risk fits into the broader picture of home coverage, Home Insurance Explained covers what a standard policy does and doesn't protect against. The Exclusion Almost Nobody Reads Carefully Standard homeowners and renters insurance po...