From late fall to early spring, intense storms over the Pacific Ocean bring heavy rains to the West Coast, leading to an increased risk of flooding.
Additionally, midwinter or early spring thaws across the country can produce large amounts of runoff in a short period of time that also bring flooding because the hard, frozen ground cannot easily absorb the water.
Areas affected by wildfires will be at a heightened risk of flooding for many years to come because the charred, barren land is unable to quickly absorb rainwater. Similarly, areas experiencing a drought are susceptible to flash floods or mudflows during rainstorms as the ground is not able to absorb a rapid influx of precipitation.
Now is the time to speak with one of our insurance professionals about preparing for winter storms so you are not caught off guard by the next flood. Even if you live in areas outside of mapped high-risk flood areas, you should be financially protected from flood damage. More than 20 percent of all National Flood Insurance Program (NFIP) flood claims are from moderate- to low-risk flood areas.
Because it typically takes 30 days for a flood insurance policy to take effect, there is no time to delay. We encourage you to financially protect your home and business by purchasing flood insurance.
May we remind you that flooding can happen anywhere, anytime. Just a few inches of water can cause tens of thousands of dollars in damage.