Getting Affordable Flood Insurance

You don't have to live in a high-risk flood zone to be hit with expensive flood damage; about 25% of the National Flood Insurance Program's claims come from areas with low-to-moderate flood risk. "It's not just people in floodplains who get flooded when a storm decides to stall over an area and dump catastrophic amounts of rainfall," says Mark Hanna, of the Insurance Council of Texas.

That's what happened last summer when