Deadly and destructive flash flooding in Texas and several other states in July 2025 is raising questions about the nation's flood maps and their ability to ensure that communities and homeowners can prepare for rising risks.

The city of Norman was prepared to build an automatic flood warning system this year, the same kind of early warning system that Kerr County, Texas, could have used to

Climate change is increasing the risk of dangerous floods. But people often balk at the cost of flood insurance, especially since many doubt they need protection.

FEMA is anticipated to open a 90-day public appeal and comment period in the winter where property owners can formally challenge the flood zone designation but they must provide scientific or technical data to back up their request.

The disappointing surprise is that while the standard home insurance policy does cover fire and wind damage, even good property insurance typically doesn’t cover things like flooding and earthquakes, which usually require a special and separate policy for each. Here are the things to know about flood insurance.

President Donald Trump declared a federal disaster in Kerr County after flash floods killed over 100 people and inundated homes, according to CNBC. Only 2.5% of Kerr County homeowners had flood insurance,

Standard homeowners’ insurance policies typically don’t cover flood damage. That often comes as a surprise to residents. What to know.

Did you know that most homeowners’ insurance policies leave a wide opening for supplemental policies covering damage from tornadoes, hail, wind and hurricanes?