It’s strongly recommended. Nationally, more than 20% of flood insurance claims come from properties outside high-risk flood zones.
In January 2023, Bear Creek flooded neighborhoods across Merced, and storms that year raised rivers throughout the Central Valley. Many Valley homes also sit behind levees, which can be overtopped or fail. Flood insurance for homes in moderate- to low-risk zones, such as Zone X, is often much more affordable than people expect.
You can check your flood zone on FEMA’s Flood Map Service Center (msc.fema.gov). Keep in mind that maps show general risk, not guarantees.
Questions about your own policy? Elye Insurance in Mission Viejo helps homeowners and drivers across California and Nevada compare options from multiple carriers.
Related FAQs
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