Flooding happens more often than you might think, and it’s actually the most expensive natural disaster in the U.S. Unfortunately, there are some common myths about flood preparedness.

The problem? These misconceptions can leave your home, business, or property seriously unprotected when a flood hits. Let’s clear things up. Here are some of the most common flood preparedness myths, and the truth you need to know to keep your home or business safe.

Myth #1: "I’m not in a flood zone, so I don’t need to worry."

Reality:

Floods don’t respect boundaries. In fact, over 25% of flood insurance claims come from properties outside of designated high-risk flood zones. Heavy rain, clogged storm drains, construction runoff, or flash floods can impact virtually any area. Being outside the “official” flood zone doesn’t mean you’re safe - it just means you’re less likely to expect it.

Myth #2: "Flood damage is covered by my homeowners insurance."

Reality:

Standard homeowners insurance does not cover flood damage. If you want financial protection against floods, you’ll need a separate flood insurance policy. Whether it’s through the National Flood Insurance Program (NFIP) or a private insurer, this coverage is essential - even if you think the risk is low.

Myth #3: "I’ll have time to react when a flood is coming."

Reality:

Floods, especially flash floods, can strike with little or no warning. By the time you realize what's happening, it could be too late to move your car, deploy barriers, or protect valuables. 

Flood preparedness isn’t about reacting, it's about being ready in advance with flood protection products and a well-rehearsed flood response plan.

Myth #4: "Sandbags are enough."

Reality:

Sandbags are outdated, messy, and often ineffective. They don’t form watertight seals and can be time-consuming to deploy, especially in large volumes. Today, property owners can choose from engineered flood panels, flood gates, and passive barriers that offer faster, cleaner, and more reliable protection.

Myth #5: "Flooding only happens during hurricanes."

Reality:

While hurricanes do cause major flooding, they’re not the only culprit. Inland flooding from prolonged rain, snowmelt, blocked drainage systems, or broken pipes can be just as devastating. Every season carries some risk, even after a dry spell, as flooding often follows periods of drought.

Myth #6: "My basement flooding is a plumbing issue, not a flood problem."

Reality:

If water is entering your basement due to external water pressure, storm runoff, or backed-up drains during a storm, it qualifies as flood risk - not just plumbing. Flood protection starts outside your property, often with flood barriers or backflow preventers that stop water from ever entering in the first place.

Myth #7: "Flood protection is too expensive."

Reality:

Compared to the cost of flood damage, which can run into tens or hundreds of thousands of dollars, flood protection products and flood preparedness plans are a smart, cost-effective investment. Some flood solutions even qualify property owners for reduced insurance premiums.

Myth #8: "One big flood was a freak event. It won’t happen again."

Reality:

Climate change is making floods more frequent and severe. If you’ve been affected once, you’re more likely to be impacted again - often worse the second time. Flood preparedness isn’t a one-time action; it’s a permanent mindset.

In Summary

Flooding can affect any property, regardless of location, insurance status, or previous experience. Relying on outdated myths puts lives and investments at risk. Real flood preparedness means understanding your vulnerability, taking proactive steps, and investing in the right tools and plans.