Flooding poses significant risks to homeowners, even those outside high-risk zones. In 2024, nearly half of the $8.8 billion in flood damages occurred in areas not classified as high-risk. Factors like heavy rainfall, poor drainage, and urban development can lead to unexpected flooding. Properties in low-lying areas, near retention ponds, or with inadequate drainage systems are particularly vulnerable. Homeowners without flood insurance may face substantial financial burdens, as standard policies often exclude flood-related damages. In Florida, for example, over 80% of homeowners lacked flood insurance during Hurricane Irma, leaving many to cover repair costs out of pocket.