Editorial cartoon Congress flood insurance Subscribe to The Week Escape your echo chamber. Get the facts behind the news, plus analysis from multiple perspectives. SUBSCRIBE & SAVE ...

That’s also true for renters insurance. But homes located in federally designated high-risk flood plains, and in some cases homes outside them, could be required to have flood insurance.

Many victims of the massive storms now battering Southern California about are to be hit with another heartbreak - discovering their insurance won’t cover the damage.

When Tropical Storm Hilary slammed into the normally dry state, it showed nowhere is immune to flooding as global warming fuels extreme weather.