Flooding and Risk Factors

11/4/2020 (Permalink)

Storm restoration in San Diego, CA

Flooding and Risk Factors

The Federal Emergency Management Association offers the National Flood Insurance Program in thousands of communities across the United States. Taking advantage of FEMA NFIP can help you get your life back together after a flood.

Flood Definition

When most people think of flooding, they think of any sort of water damage. FEMA, however, has a stricter definition: at least two properties or two connected acres covered by water or mudflow. Flooding in this sense is often caused by the following:

• Accumulation of surface water
• Erosion
• Overflow of rivers, lakes or other bodies of water
  

Only flooding damage that fits the above definition is covered by FEMA NFIP. Water damage caused by other events, such as plumbing issues, may be covered by your homeowner’s insurance. It is important to discuss your San Diego home’s unique needs with your insurance agent to make sure you are properly covered.

Flood Risk Factors

While the definition of “flooding” may be narrow, there are a variety of factors that can increase the likelihood of such an event occurring. The following are some such risk factors:

• Springtime
• Wildfire damage
• Low elevation
  

When the temperatures rise in the springtime, snow often melts, causing flooding. Additionally, frozen ground cannot absorb spring rains, leading to accumulation of surface water. Wildfires also interfere with the ground’s ability to absorb water. Vegetation plays a key role in absorbing water, and when plant life is destroyed by fire, there is greater accumulation of surface water. This effect can last up to five years after a wildfire. Low elevations, where the water cannot runoff easily, are also more prone to flooding.

If FEMA NFIP is available in your area, you can purchase reliable flood insurance through the program. Although this and other flood insurance policies can reduce the financial burden of flood damage, homeowners may still feel overwhelmed by the restoration process. Selecting a certified restoration company can make the process go much more smoothly.