One in Four properties will be affected by flood damage regardless of where they are located. Flooding is the costliest and most common natural disaster. Unless an insured has a flood insurance policy, flooding is not a covered peril under the standard insurance policy. Considering the high cost of flooding ($25K average as of 2017 recovery is greatly hindered without the necessary funds. The insurance industry needs to do a better job at educating the public of the importance of flood insurance and the likelihood of experiencing a flood with the extreme weather pattern that we are currently in.