Flood insurance is available through the National Flood Insurance Program. Average annual premium: $3,344. Availability: Foremost offers homeowners insurance in all 50 U.S. states and Washington, D.C.

Do they work? Sales of these so-called superfood powders have taken off, and the category is growing nearly 7 percent each year, expected to reach $14.3 billion in value by 2034. [1] ...