Flooding poses a significant risk to all Floridians, regardless of whether they live in high-risk zones. Notably, over 20% of National Flood Insurance Program (NFIP) claims come from low-risk zones, which also account for about a third of federal disaster assistance. Without proper coverage, homeowners may face substantial financial losses, as standard homeowners insurance excludes flood-related damages such as storm surges and water intrusion from overwhelmed drainage systems. The financial impact of flooding can be devastating, particularly for those without adequate insurance.