Flash floods can occur within minutes of excessive rainfall, a dam or levee failure, or a sudden release of water held by an ice jam. Overland flooding, the most common type of flooding event, typically occurs when waterways, such as rivers or streams, overflow their banks as a result of rainwater or levee breach and cause flooding in surrounding areas. It can also occur when rainfall or snowmelt exceeds the capacity of underground pipes, or the capacity of streets and drains designed to carry floodwater away from urban areas.
Be aware of flood hazards no matter where you live or work, but especially if you are in low-lying areas, near water, behind a levee or downstream from a dam. Even very small streams, gullies, creeks, culverts, dry streambeds and low-lying ground that appear harmless in dry weather can flood.
Before a Flood
What would you do if your property were flooded? Are you prepared?
Even if you live in a community with a low risk of flooding, remember that anywhere it rains, it can flood. Just because you haven’t experienced a flood in the past doesn’t mean you won’t in the future. Flood risk isn’t just based on history; it is also based on a number of factors including rainfall, topography, flood-control measures, river-flow and tidal-surge data, and changes due to new construction and development.
Flood-hazard maps have been created to show the flood risk for your community. This helps determine the type of flood insurance coverage you will need, since standard homeowners insurance doesn’t cover flooding. The lower your degree of risk, the lower your flood insurance premium. Click here to download your Business Flooding kit. As well, please contact FWO Insurance if you need anymore assistance.