If you are a motorcyclist, you are aware of the dangers of riding a motorcycle. If you ride a motorcycle, you are far more likely to be hurt if you get into an accident than if you were driving a car.
Not all homeowners that purchase a property need to have flooding insurance cover unless this type of insurance is required by the lender or bank. However many people that take out a homeowners policy automatically assume the policy includes flood damage. A homeowner first needs to check their topography as well as community history as well as speak to their broker.