Water, water everywhere — in your basement, in your living room, and don’t forget to wave goodbye to your car that’s floating down the street.

With Hurricane season here and folks still drying out from the recent Northeast flooding, it’s a great reminder why it’s so important to have flood insurance, even if you don’t live anywhere near the ocean.

The risks of your home flooding are real: According to, you have a 26 percent chance of having a flood over 30 years compared to a 9 percent risk of a fire. And a quarter of all claims paid by the National Flood Insurance Program are for homes located in low-to-moderate risk areas.

The changing climate means flood maps are being redrawn for nearly every community. Just because you didn’t use to live in a flood zone doesn’t mean you don’t live in one now. Check your flood zone at your local village or town hall.

Flood insurance costs around $400 per year for up to $250,000 in coverage plus $100,000 in contents coverage. Find out more at

With practical, informative consumer advice, I’m Ilyce Glink, News-Talk 750 WSB