Regardless of where you live in the United States -- whether the desert, a riverless city, by a lake, on the coast, the Midwestern plains or atop a mountain -- your home is a flood risk. Everyone is at risk for flooding. Floods happen in all 50 states.
Who Needs Flood Insurance?

Since floods can happen to anybody just about anywhere, you probably should consider taking out a flood insurance policy. It's not expensive. If you live in a high-risk flood area and buy a home by taking out a loan backed by a federally insured mortgage, your lender will require that you buy flood insurance.