If you don't already have flood insurance, you should consider it. We have seen the devastation flooding can cause. In this article, investigative reporter Amy Davis is answering your questions about private flood insurance versus FEMA's National Flood Insurance Program.

Learn about the different categories of flood water, steps to take after your home is flooded, and the importance of flood insurance.

FEMA changes the way it calculates flood insurance rates. FEMA raised rates for many homes that have never flooded and lowered rates for homes that have.