One Third Of Flood Claims Came From Moderate/Low-Risk Zones The National Flood Insurance Program has released information today about the reasons why people should purchase flood insurance to protect their property. One statistic that is of particular note, according to their press release, is that thirty-five percent of flood claims for 2020 were in areas that are categorized as moderate/low-risk when it comes to designations for flood zones. Most people think they are covered by their homeowners policy, but those policies do not cover flooding. Depending on where you live or own property, you may be required to buy flood insurance, but in those other areas, it is optional.