![]() For example, over the last five years, Mississippi has exceeded that statistical probability, putting more homes and properties at risk than expected. While flood zones are specific geographic areas where there is a higher statistical probability of a flood occurring, floods do occur outside those zones.Statistics show that people who live outside high-risk areas file more than 25 percent of flood claims nationwide. ![]() Even if you live outside a high-risk flood zone, called a Special Flood Hazard Area, buying flood insurance is a wise decision.It’s wise to consider flood insurance even if you are not required to purchase it.Standard homeowner’s insurance policies do not cover floods ![]() Some Mississippians who suffered losses and damage from the hurricane did not have flood insurance.
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