Oct 07, 2026
Do California Homeowners Need Flood Insurance Outside FEMA Flood Zones?In plenty of cases it is worth carrying. A home sitting well outside a FEMA high-risk flood zone can still take on water, and a standard California homeowners insurance policy will not pay to repair that damage. FEMA's own claims record makes the point plainly: between 2014 and 2018, policyholders outside...
