Combating Mother Nature: Flood Insurance
As much as we love Mother Nature, she isn’t one known for her compassion or discretion. When she strikes, you feel it. Houston residents were reminded of this last year as we experienced torrential downpours and flash flooding.
What is a flash flood?
Flash floods are a short-term event that occurs within 6 hours of a caustic event and often time within 2 hours after the start of intense rainfall. Heavy rain, dam break, levee failure and rapid snowmelt are all considered caustic events.
Flash flooding is characterized by the rapid rise of stream water with depth levels ascending above that of the banks. Damage from a flash flood is most likely to occur in areas of steep terrain where rainfall weakens soil resulting in mudslides.
What is flash flood risk?
Knowing the proximity of your home to streams can help you determine the likelihood of experiencing a flash flood. Population dense areas have one of the highest risks for flash flood. Greater amounts of infrastructure decrease the amount of absorption that can take place during heavy rainfall. Although some cities have invested in underground storm drains, this is not typical for smaller towns. Be wary of underpasses, underground parking structures and basements as these are likely to be inundated with flood waters.
Nearly half of all flash flood fatalities occur in vehicles. For your safety, do not attempt to drive into a flooded roadway or through flowing water.
Protect your home with Flood Insurance
Flood Insurance is not included in your Homeowners Insurance policy; you must purchase a separate policy to ensure that your home is protected. Texas and Louisiana have various quirks regarding Flood Insurance requirements. Our agents here at Texan Insurance are well versed and would be happy to help you determine your Flood Insurance needs.
Source – What are flash floods?
Photograph – Alamy/Reuters