India's diverse geography makes it prone to flooding in various regions. Coastal areas face risks from cyclones and storm surges, while river basins like the Ganges and Brahmaputra are susceptible to overflowing during heavy rains. Urban areas, such as Mumbai and Chennai, often experience waterlogging due to inadequate drainage systems. Even homes in areas considered low-risk can face flooding during unexpected weather events, making flood insurance a valuable investment for all homeowners.