Flood insurance in California is essential, especially as climate change increases the risk of flooding across the state. While standard homeowners insurance doesn’t cover flood damage, a separate flood insurance policy can protect your property and belongings. Areas near rivers, coastal zones, and wildfire burn scars are particularly vulnerable. The National Flood Insurance Program (NFIP) offers affordable coverage, and private insurers provide options too. With recent storms causing unexpected flooding, Californians should assess their risk and consider securing flood insurance to ensure financial protection and peace of mind. Don’t wait until it’s too late.