Those who live in flood prone areas should know one thing first: Home insurance will not cover damages caused by a flood. For that you'll need flood insurance.

A comprehensive plan for reducing your losses.

Floods present different challenges than other severe weather.

Zones determine your flood insurance premium.

Floodsmart.gov is the official site of the National Flood Insurance Program. There, you can find out your home's risk for a flood, calculate your flood insurance rate and find flood insurance agents in your area.