Flooding Remains Most Common Natural Disaster in U.S.

Homeowners warned that standard policies often don't cover flood damage.

Apr. 12, 2026 at 4:20am

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A sweeping, atmospheric landscape painting depicting a rural area submerged in rising floodwaters, the structures and land dwarfed by the overwhelming scale of the natural disaster.As flooding remains the most frequent natural disaster in the U.S., homeowners are urged to review their insurance coverage and consider specialized flood protection.Corsicana Today

The Better Business Bureau Heart of Texas is reminding homeowners that flooding is the most frequent and costly natural disaster in the United States, and most standard home insurance policies do not cover it. Even just one inch of water can cause over $25,000 in damage, highlighting the importance for homeowners to ensure they have the proper flood coverage.

Why it matters

Flooding is an increasingly common threat, especially in areas prone to heavy rainfall and severe weather. With standard home insurance often lacking flood coverage, many homeowners could face significant financial burdens if their property is impacted by rising waters or other flood-related damage.

The details

The Better Business Bureau is urging homeowners to review their insurance policies and consider purchasing separate flood insurance, as standard home insurance typically does not cover flood-related damages. Even a small amount of water can lead to major repair costs, underscoring the need for proper flood protection.

  • The Better Business Bureau Heart of Texas issued this advisory on April 12, 2026.

The players

Better Business Bureau Heart of Texas

A regional office of the Better Business Bureau serving the Corsicana, Texas area that provides consumer education and advocacy.

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What’s next

Homeowners should contact their insurance providers to understand their current coverage and explore options for purchasing separate flood insurance if their standard policy does not include it.

The takeaway

With flooding remaining the most common and costly natural disaster in the U.S., homeowners must be proactive in ensuring they have the proper insurance protections in place to safeguard their property and finances.