Preparing for Floods

Anywhere it rains, it can flood. A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow. Many conditions can result in a flood: hurricanes, broken levees, outdated or clogged drainage systems and rapid accumulation of rainfall.

Just because you haven’t experienced a flood in the past, doesn’t mean you won’t in the future. Flood risk isn’t just based on history, it’s also based on a number of factors: rainfall, river-flow and tidal-surge data, topography, flood-control measures, and changes due to building and development.

30 percent of flood claims come from areas with minimal flood risk. It is imporatant to know that damages from flooding are typically not covered under most homeowner insurance policies. Statistics indicate that your home has a 26% chance of being damaged by a flood during the course of a 30-year mortgage, compared to a 9% chance of fire. For more policy and claim statistics, visit the National Flood Insurance Program.

Click here for information on Weather termonology relating to Floods

Please click on the links below for information on how you can prepare yourself and your family for flooding:

Flooding, Are you Ready?

Preparing for Floods: Before, During and After

Homeowner's Guide to Flood Prevention and Loss

Preventing Soil Erosion on your Property