Add Yahoo as a preferred source to see more of our stories on Google. Delorse Harrington, 67, has dealt with flooding just two times in the 34 years she has lived in her Menomonee River Hills home.

If your house isn’t sitting next to a river or the ocean, flood insurance probably feels unnecessary. But the numbers say otherwise. According to FEMA, 99% of U.S. counties have experienced a flooding ...