Over the past 50 years, every state has experienced flooding orsome sort of flash flood. This means that as a homeowner or renter,you don't have to live near a body of water to be exposed to thedangers of flooding. Heavy spring rains, a sudden thunderstorm ormelting snow from the mountains hundreds of miles away can beenough to cause rising water and flooding in the most unexpectedplaces.

The Midwest frequently experiences river flooding, the Northeastcan suffer Nor'easters and spring melting, and the West Coastfrequently has flooding from November through March. A flash floodcan bring a wall of water anywhere from 10 to 20 feet high. A fewinches of water from a flood can easily cause tens of thousands ofdollars in damage. If you're a homeowner, the purchase of floodinsurance is mandatory if the property is located in a high-riskflood area, and some lenders can still require it if you live in anarea with a lower risk of flooding.

Floods are No. 1 disaster in U.S.

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