The lack of flood insurance coverage leaves millions of U.S. homeowners financially exposed to flood-related damages. FEMA reports that 40% of NFIP claims come from areas outside Special Flood Hazard Areas (SFHAs), indicating that flood risks extend beyond high-risk zones. Without adequate coverage, property owners may face significant out-of-pocket expenses for repairs and recovery. Flood endorsements offer a more accessible and streamlined option for obtaining coverage, potentially reducing the financial burden on affected households.