Nick Rodriguez stands on top of an outdoor barbecue seating area at his brother's flooded backyard from the remnants of tropical storm Hilary on August 21 in Cathedral City, California.
Mandatory Credit:	Gina Ferazzi/Los Angeles Times/Getty Images

Nick Rodriguez stands on top of an outdoor barbecue seating area at his brother's flooded backyard from the remnants of tropical storm Hilary on August 21 in Cathedral City, California.
Mandatory Credit: Gina Ferazzi/Los Angeles Times/Getty Images

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What is flood insurance, and why do you need it?

Tropical Storm Hilary slammed into the Western US this weekend, becoming the first tropical storm to cross California is a quarter century and Nevada’s first tropical storm. Multiple areas of Southern California broke rain records, with Downtown Los Angeles experiencing the rainiest summer day on record. Roads across the state are inundated with water, mud and debris.