A flood could. There ought to be a law. There is a law. The law can't stop floods.
Floods happen anytime, anywhere.
But the Flood Disaster Protection Act of 1973 and the National Flood Insurance Reform Act of 1994 helps ensure that you will be protected from financial losses caused by flooding. In all these communities, you can purchase flood insurance from any licensed property or casualty insurance agent, broker, or company. It reimburses you for financial losses from flood damage. With one annual premium, you have peace of mind that your losses will be covered. The law protects you from being uninsured and having to rely on a costly federal disaster loan after a flood.