Everyone Lives in a Flood Zone

Everyone lives in a flood zone.

Yes, you read that right.

One of the most common myths about floods is that if you don’t live near water, you’re not at risk. The truth, however, is that you don’t need to live in a flood zone to be at risk. In fact, all 50 states have fallen victim to floods or flash floods in the last 10 years.

How could this be?

There are many types of floods that we are all vulnerable to regardless of where we live.

According to analysis by Corelogic, roughly 23% of American homes currently located outside of FEMA’s Special Flood Hazard Areas (SFHA) are at moderate to high risk for flooding.  Remember, the boundaries of flood maps are mostly statistical and not imaginary magical boundaries that prevent flooding outside the designated high risk zones.

Coastal Flood

The inundation of land along coastal areas as a result of higher than average high tides, which are exacerbated by heavy rainfall and onshore winds.

High tide flooding coastal town and beach houses in Greenwich CT.

Storm Surge

An abnormal rise in water levels along the coast as a result of forces generated from severe storms, winds and waves.

Storm surge with waves coming up to the top of the lighthouse in the Hamptons, NY.

Inland Flooding

Flooding caused when moderate to high precipitation accumulates over a prolonged period of time, intense precipitation over a short period of time, or river overflow from debris jam or levee failure.

Flooded street with stop sign, one way sign and Riverview Street sign in Westport CT.

Flash Flood

Heavy and excessive rainfall in less than 6 hours ripping through river beds, urban streets or mountain canyons.

Car caught in flash flood driving down road as waves splash up from tires.

River Flood

The overflow of river banks as a result of excessive rainfall, frequent thunderstorms, snowmelt or ice jams.

Overflowing river in Trumbull CT.

As a trusted advisor, Daigle & Travers Insurance understands the importance of creating awareness about the impact of floods. Reach out to a member of the D&T team to start a conversation. This could mean the difference between experiencing a major financial loss and the peace of mind knowing that you are protected should an event occur.

For information on insurance for personal property, check out our blogs. Call Daigle & Travers Insurance Agency today to speak with one of our experts. We look forward to bringing you peace of mind.