Standard homeowners’ insurance typically covers damage from wind, falling trees, and wind-driven rain, but flooding requires a separate policy. According to FEMA, even a single inch of floodwater can result in up to $25,000 in damages. Walker encourages homeowners to evaluate their risk and consider obtaining flood insurance. “I would say consider the risk, because it’s very affordable, especially if you live in one of the low or moderate flood zones. You can just endorse your policy or get a separate flood policy. It will protect my clients against things like their dwelling, their home getting rebuilt, or their personal property, as well as giving them some additional monies towards if they have to get a hotel or stay at an Airbnb for the time being while their home is being renovated from the flood.”