Everyone lives in a flood zone, you do not need to live near water to be flooded. Floods are caused by storms, melting snow, blocked drainage systems and broken water mains. Homeowners insurance does not cover damage from floods. All residents in Windham can buy flood insurance through the National Flood Insurance Program. 25%-30% of all flood losses come from areas considered to be low-to-moderate risk areas. To learn more about flood insurance for your property please visit Flood Smart.