Flood damage information and insurance

Flood Safety

flood information

flooded house Floods
In the United States, floods effect more people than any other natural disaster. Floods can be caused by tsunamis, hurricanes, or just plain rainstorms and they are the most frequent natural disaster. Not only that, floods are becoming more and more common in communities as asphalt spreads over the absorbent ground causing fast run-off to overload storm drain systems and overflow stream beds.
Many people are killed by floods. About 80% of those deaths occur in vehicles, usually when people try to drive through flooded areas. It takes only a few inches of rushing water to knock a person down and just 24 inch deep water can push any vehicle off the road and down the river. Don't risk driving through floodwaters, you probably won't make it.

Tsunami Disasters also cause massive flooding, but there are different dangers and preparation steps for tsunamis.

flood danger

flood plan Before a Flood
If you live along a coast, downstream from a dam, or in a known flood zone, your risk of flood is highest. The safest thing to do when a flood is coming is to evacuate to higher ground.

Keep these flood safety tips in mind:

flood damage During a Flood

planning for flood After a Flood

Everything in your home below the high water mark will need to be tediously cleaned or replaced. Clean-up after a flood is a laborious, dirty job that can be very stressful. Prepare yourself and your family for many, many hours of hard work before life returns to normal. Water damage is probably worse than wind or fire because it takes so much work and time to repair.

100 year flood 100 Year Flood
It is a good idea to make sure your house and other buildings are well above something called the 100 year flood line. Flood insurance uses the 100 year flood line in determining the insurance rate. On plat drawings of your property, you may see a 100 year flood line. This magical line is not the highest point water has reached in the past 100 years. It also isn't the height that water should reach every 100 years.
The 100 year flood level means that there is a 1 in 100 chance of water reaching that height in any year. Over hundreds and hundreds of years, that would average out to once every 100 years. But, in a very rainy year there may be 2 or more floods reaching that height a month or even a week apart. Not only that, but if conditions are just right, a single flood may reach the 500 year flood line or 1000 year flood line. These would be very rare, very disastrous floods but they will occur at some point in time.
One other thing to keep in mind - the 100 year flood line tends to get higher and higher as more and more development occurs causing more run-off and less natural water absorption. So, the line on a decade old plat drawing may be lower than it should be.

flood info
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