Why You May Need Flood Insurance — Even If You’re Not in a Flood Zone

July 10, 2025

💧 Why You May Need Flood Insurance — Even If You’re Not in a Flood Zone

When you hear the words “flood insurance,” you might automatically think of beachfront homes or properties along riverbanks. But here’s the reality: flooding can happen anywhere — and often when you least expect it.

At Griffin-Lantz Insurance, we believe in protecting our Columbus neighbors with real information and real coverage. So let’s break down why flood insurance may still be worth it, even if you’re not officially in a flood zone.


📍 1. 25% of Flood Claims Come From Low-to-Moderate Risk Areas

According to FEMA, one in four flood insurance claims are made by homeowners outside of high-risk flood zones. Flash flooding, heavy rain, melting snow, or even a blocked storm drain can lead to serious damage — regardless of your location on the map.

If water has a way to enter your home, it doesn’t care what zone you’re in.


🏠 2. Home Insurance Does Not Cover Flooding

One of the biggest misconceptions we see is the belief that standard homeowners insurance covers floods.

It doesn’t.

Your home insurance may cover water damage from a burst pipe, but it won’t cover damage from water that enters your home from the outside — like rising groundwater or rain overflow. That’s exactly where flood insurance comes in.


💸 3. Flood Insurance is Often More Affordable Outside High-Risk Zones

If you’re not in a FEMA-designated high-risk area, you may qualify for preferred risk policies, which offer lower premiums for solid coverage.

Translation: you can protect your home and your finances without breaking the bank.


🧰 4. It’s About Peace of Mind

Water damage from flooding can be devastating — destroying walls, flooring, furniture, and more. Flood insurance offers you peace of mind knowing that even if the unexpected happens, you have a plan to recover.


✅ Do You Need Flood Insurance?

Even if your mortgage lender doesn’t require it, it may still be a smart investment — especially in areas like Columbus, where extreme weather can cause localized flooding even outside traditional flood zones.

Let us help you assess your risk, explore coverage options, and protect your home the smart way.

📲 Contact Griffin-Lantz Insurance today to learn more about flood insurance or get a quote. We’re here to help you weather any storm.


Griffin-Lantz Insurance
Protecting Central Ohio families with service, integrity, and local expertise.
📍Columbus, Ohio
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