Video: Why Few California Homeowners Have Flood Insurance

Something doesn’t count.

About 32 trillion gallons of rain and snow have fallen in California since Christmas. However, only 2% of properties are covered against flooding, according to the Associated Press.

This means that only 230,000 homes and other buildings have flood insurance coverage, other than homeowners insurance. The federal government is the insurance for most of them – about 191,000, AP reported. Private insurers provided the rest, according to the latest state data from 2021.

Flooding from the storm swept away roads and cut off electricity. It caused damage in 41 of the state’s 58 districts, and at least 20 people have died.

In the Sacramento region, forecasters predict no rain for the next seven days starting January 19, 2023, but the cold will hang around.

The drought in California may have dampened people’s sense of the danger of flooding, according to experts who spoke on camera in the video above.

“People think the only people who need flood insurance are people who live right on the beach or on the banks of a river that has a history of flooding,” said Amy Bach, chief executive of insurance broker United Policyholders, in the AP.

David Caraccio is a video producer for The Sacramento Bee who was born and raised in Sacramento. He is a graduate of San Diego State University and a longtime journalist who has worked for newspapers as a reporter, editor, page designer and digital content producer.

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