The reason why it's essential to buy flood insurance in CA or anywhere else is that flooding is usually unpredictable. Flood warnings often come when it's too late for a community to evacuate, as any given city can lose billions of dollars in flood damage. Imagine losing thousands of dollars in damage with the wrong type of coverage in place because you assumed you were covered for any natural disaster. Find out from your agent exactly which of your possessions are or aren't currently covered in worst-case scenarios. Keep in mind that earthquake insurance is separate from flooding insurance. Still, it might cover certain water damage that a flood policy doesn't cover. You won't have to pay much more for flood insurance, as policies start around $25 per month. Talking with your insurance agent or a FEMA official can help you understand how much flooding risk you face in your current location. Getting the right coverage is based on your needs and the specific belongings you want to insure. The combination of securing appropriate insurance and taking proactive steps to protect your belongings gives you the best results. Evaluate your home's elevation and decide if you need to make home adjustments or relocate. If you have a basement, make sure you understand how it can be impacted by flooding disasters and what type of coverage will protect its value.