最新报道:Flash floods are increasingly causing significant damage to homes, yet many homeowners remain unaware that standard insurance policies typically exclude flood coverage. Experts warn that rising climate risks make specialized flood insurance essential, especially in high-risk zones. The National Flood Insurance Program (NFIP) and private insurers offer separate policies, but adoption remains low due to cost and misconceptions. Analysts urge homeowners to assess flood risks using FEMA maps and consider coverage adjustments as extreme weather events become more frequent. Without proper insurance, recovery costs can be financially devastating for affected families.