Summer is recognized as the peak season for home insurance claims, primarily due to storm damage from wind, hail, and heavy rain. Flooding remains the most prevalent disaster, yet many homeowners are unaware that flood coverage must be purchased separately from standard policies. Kaz Weida, an insurance expert from NerdWallet, emphasizes that flood insurance is essential even for those not in high-risk areas. As repair costs soar, homeowners are likely to see rising insurance rates, exacerbated by cuts to FEMA programs like the Building Resilient Infrastructure and Communities (BRIC) and the National Flood Insurance Program (NFIP). These cuts affect risk assessments and consequently, insurance premiums. A recent survey found that 34% of homeowners experienced increased premiums over the past year, with nearly half expressing concern over costs. Experts caution against the common mistake of reducing coverage to save money, as this can lead to inadequate protection. Homeowners are encouraged to review their policies to ensure they are adequately covered for summer-related risks, including liability from pools and trampolines.