From claims to what’s covered, here are five things you need to know about flood insurance.

1. Flood damage is not covered by your Homeowner’s or Renters Policy

2. 25% of all flood claims occur in homes that are not in a flood plain.

3. Flood insurance is not expensive if you are not in a flood plain or a high hazard zone.

4. Ground water from rain or other sources that seeps or runs into your home is a flood and not covered by your Homeowners or Renters Policy.

5. The United States Government backs all Flood Insurance for homes.