Do I need flood insurance in Georgia?
Quick answer:
Flood is excluded from standard policies and needs its own coverage. Required in FEMA high-risk zones and worth considering elsewhere too.
Standard homeowners and commercial property policies exclude flood, so flood is a separate policy. It is generally required for properties in FEMA high-risk flood zones, and it is worth considering even outside those zones, because a large share of Georgia flood damage happens in lower-risk areas.