How much will flood insurance cost me - from Alaska to Hawaii?

Flood insurance is costing ever more, forcing many Americans - not just those considered most under threat - to make hard choices or drop coverage and risk losing their home to wild weather.

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Under the latest calculations, premiums are set to increase for thousands of Americans each year until they hit their "full-risk rate", which may take a decade - or longer - for some.

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With more major flooding events occurring outside of federally designated high-risk zones, those in the industry recommend getting insurance virtually wherever you live.

"You need flood insurance in Florida," Friedlander said. "We had this historic storm, almost 26 inches recorded in Fort Lauderdale (in April), and we had communities that flooded out."

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Factors that can affect people's insurance premiums include the kind and amount of coverage being purchased.

FEMA says its new ratings system is intended to include factors such as proximity to water, building type, frequency of floods, and potential rebuild costs.

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