Winter Rainy Season Flood Risks
With winter upon us, it’s important for homeowners to understand their potential flood risks. 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, as evidenced by the storms that struck California in December.
Along the East Coast, Nor’easters can produce heavy rain and snow, along with wind-driven waves from Virginia to Maine, causing severe flooding and beach erosion.
People living along rivers should be prepared for ice jams, which can also result in flooding. Additionally, midwinter or early spring thaw can produce large amounts of runoff in a short period of time, frequently leading to flooding as the hard, frozen ground cannot easily absorb the water.
Similarly, 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.
Areas experiencing a drought are equally susceptible to flash floods or mudflows during rainstorms as the ground is not prepared to absorb the rapid influx of precipitation.
Homeowners insurance does not cover floods, for more information about flood coverage contact one of the experts at Insurance Connection USA