Spring Flooding risks
29Apr

Spring floods happen when they are least expected. The more you know about your risks, common causes of spring flooding, and how you can protect your family – and your property – the better off you are. Keep these things in mind and protect your property from flood waters this spring and in the future.

Common Causes of Spring Flooding

No matter where you live in the country, including in New York City, you’ll face some degree of risk from spring flooding. This is quite common as snows begin melting and sometimes overflow streams and rivers – even much further downstream. Couple that with volatile weather patterns and rainstorms, and the risks that floods present intensify for families in all parts of the country.

Even a brief, but heavy downpour can create flash flooding that can build up quickly and overtake your home or automobiles. You’ll be surprised by how much damage as little as an inch of water can do inside your home. It is always best to err on the side of caution and be prepared for spring flooding to the best of your ability.

How Should You Prepare for Potential Spring Flooding?

Knowing that spring flooding is a very real risk, having a plan of action in place is the best way, by far, to feel confident in your ability to deal with flood waters when they arrive. These are some of the things you need to include in your plan.

Sign Up for Emergency Alerts 

If your community offers emergency alerts for things like flooding, sign up for them, and heed the warnings they provide. These will be invaluable in offering information about safe routes and where you can go in the event of a flooding event in your community. One of the big problems with spring flooding is that it doesn’t happen in isolated households. It’s generally a community-wide event affecting other families too. These alerts can help you know safe paths and dry places you can go until you have more information.

You do not have to live in an area that floods often – or even one that has ever flooded before, to become victims of a spring flooding event. You only need the perfect set of circumstances to present themselves and you could find your home in very serious risk of flooding – when it is too late to prepare.

Get Flood Insurance -Now! 

Flood insurance doesn’t go into effect until 30 days after you buy the policy unless you are purchasing or refinancing your home. Then it will go into effect immediately upon closing on the loan of your home. Flood insurance is available through the National Flood Insurance Program and provides invaluable protection to homeowners who are experiencing flooding.

Be Aware of Your Risks

Flood insurance is your first line of defense against spring flooding. Nowhere your biggest risks are. Are their streams, floods, ponds, or lakes near your home or on your property. Is there adequate drainage around to create an overflow situation or a “run off” for the water to flow into that will protect your home from the brunt of the water if necessary? Can you create one?

There is also a risk of flooding with respect to dams. Many people who live downstream from dams have found their homes at risk when breaches or overflows occur. These things can happen at any time but are often more likely during rainy spring seasons. Pay attention to the local news and make sure you follow news related to your dam closely so you know when to act.

Have an Emergency Kit Prepared

You need an emergency kit you can grab and go, especially if you live downstream of a dam or in other high-risk areas for spring flooding. This kit should include things like prescription medications, important papers and documents, cash, and a few essentials but be light enough you can grab it on the way out the door of your home.

Little things you can do like these can go a long way toward protecting your property from the risks spring flooding represents to your home and your family.

NYC Renters, Co-Op and Condo Insurance