TULSA - Tornadoes, hail and lightning get most of the headlines, but flooding does more damage and kills more people by far, and no homeowner's insurance policy covers flood damage.
Flood insurance is available through a program offered by the Federal Emergency Management Agency (FEMA), but it has to be purchased separately from a standard homeowner's policy.
In most cases, there's a 30-day waiting period after the policy is purchased before it goes into effect, so now's the time to consider whether you need coverage.
FEMA works with about 90 private carriers to provide the policies.
If you think you don't live in a flood plain, the National Flood Insurance Program says, you're wrong -- everyone lives in a flood plain.
And consider this -- people living outside the "high-risk" areas file nearly a quarter of claims and receive a third of disaster assistance from the NFIP.
From 2003 to 2012, flood insurance claims averaged almost $4 billion annually.
Flood insurance is not prohibitively expensive.
Talk to your agent to determine how much flood insurance you might need.