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NEW YORK, April 30 () -- More than 4-in-5 U.S. adults say they know a standard homeowner's insurance policy doesn't cover flood damage, a survey indicates. The Federal Emergency Management Agency and its National Flood Insurance Program identify flooding as the United States' No. 1 natural hazard, but less than 4-in-5 U.S. adults said they have not acted to get flood insurance, a survey by Bankrate.com reported. FEMA usually classifies properties as either high flood risks or low-to-moderate flood risks. Bankrate.com asked Americans whether they know the correct classification for their home. Fifty-one percent said they knew the correct risk category."The vast majority of Americans know the key facts about flood insurance,[url=http://www.myeduhelp.com/]christian louboutin men[/url], but they haven't taken the necessary steps to protect their homes," Doug Whiteman, insurance analyst for Bankrate.com, said in a statement. Whiteman said homeowners should first ensure they know their home's correct FEMA flood risk designation. Next,[url=http://www.myeduhelp.com/]christian louboutin discount[/url], they should review their homeowner's insurance policy and investigate the cost and availability of a separate flood insurance policy. He said the price might be cheaper than expected."The average flood insurance policy costs about $50 per month, so for roughly the cost of dinner and a movie, consumers can protect themselves against disaster."The survey of 1,003 adults in the continental United States was conducted by Princeton Survey Research Associates International. The survey has a margin of error of 3.7 percentage points.