Many homeowners feel they're immune from flood risk. (Eviart/Shutterstock) Many homeowners feel they're immune from flood risk. (Eviart/Shutterstock)

Homeowners have long been confused about flood risk and flood insurance. According to a recent survey, that unfortunate fact continues to lead to devastating outcomes. Consider that 98% of homes in California don't have flood insurance policies in place, leaving nearly all unprotected from the torrential onslaught of recent storms.

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