The winter rainy months bring all kinds of wet and snowy weather, and they also bring conditions such as heavy rains, ice jams and rapid snowmelt that can increase your flood risk. Many people are at an increased flood risk due to the near-record wildfire season in 2012. Flood insurance will help you financially protect your property from these weather events. Click below to see if any of these conditions might increase the flood risk in your area.
http://www.floodsmart.gov/floodsmart/pages/flooding_flood_risks/what_causes_flooding.jsp
Hurricanes and tropical storms can pack a powerful punch, with soaking rain, flying debris, high winds and tidal surge. In addition to causing extensive damage in coastal areas, they often bring flooding hundreds of miles inland with torrential rains and high winds, posing a threat to millions of people who don't even live on a shoreline. Eight of the ten most expensive Federally-declared disasters have been caused by hurricanes.
Everyone needs to protect themselves from the dangers of Hurricane Season. Most policies take 30 days to go into effect, so the time to prepare is now.
Mudflows are rivers of liquid and flowing mud on the surface of normally dry land, often caused by a combination of brush loss and subsequent heavy rains. Mudflows can develop when water saturates the ground, such as from rapid snowmelt or heavy or long periods of rainfall, causing a thick liquid downhill flow of earth.
Mudflows are different from other earth movements, such as landslides, slope failures, and even moving saturated soil masses in which masses of earth, rock, or debris move down a slope where there is not a flowing characteristic.
Damage from mudflows is covered by flood insurance; damage from landslides and other earth movements is not. Mudslides can also be covered, if defined exactly as the Standard Flood Insurance Policy defines Mudflow.
During the spring, frozen land prevents melting snow or rainfall from seeping into the ground. Each cubic foot of compacted snow contains gallons of water and once the snow melts, it can result in the overflow of streams, rivers and lakes. Add spring storms to that and the result is often serious, spring flooding.
http://www.floodsmart.gov/floodsmart/pages/flooding_flood_risks/what_causes_flooding.jsp
Everyone needs to protect themselves from the dangers of Hurricane Season. Most policies take 30 days to go into effect, so the time to prepare is now.
Flash Floods
Flash floods are the #1 weather-related killer in the U.S. since they can roll boulders, tear out trees, and destroy buildings and bridges. A flash flood is a rapid flooding of low-lying areas in less than six hours, which is caused by intense rainfall from a thunderstorm or several thunderstorms. Flash floods can also occur from the collapse of a man-made structure or ice dam.
Mudflows are rivers of liquid and flowing mud on the surface of normally dry land, often caused by a combination of brush loss and subsequent heavy rains. Mudflows can develop when water saturates the ground, such as from rapid snowmelt or heavy or long periods of rainfall, causing a thick liquid downhill flow of earth.
Mudflows are different from other earth movements, such as landslides, slope failures, and even moving saturated soil masses in which masses of earth, rock, or debris move down a slope where there is not a flowing characteristic.
Damage from mudflows is covered by flood insurance; damage from landslides and other earth movements is not. Mudslides can also be covered, if defined exactly as the Standard Flood Insurance Policy defines Mudflow.
Floods can happen almost anywhere. They are not limited to coastal areas or to devastating tropical storms!
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