As winter approaches, many homeowners prepare for frozen pipes or icy roofs — but flooding can happen in any season. Melting snow, blocked drains, and heavy winter rains all increase the chance of water entering your home.
Here are five fast facts to keep in mind as the seasons change:
1. Flood Insurance Isn’t Just for Coastal Areas
More than 20% of flood claims come from moderate or low-risk zones. Even homes miles from a river or shore can flood due to poor drainage or snowmelt.
2. The Average Flood Claim Exceeds $40,000
Just an inch of water can destroy flooring, drywall, and furniture — leaving homeowners with massive repair bills.
3. Private Flood Insurance Often Costs Less than NFIP
Private insurers offer flexible limits and deductibles, plus quicker quoting and fewer restrictions.
4. Flood Policies Can Be Purchased at Anytime
No need to wait for your homeowners policy renewal — flood coverage can be added year-round.
5. Coverage Can Start in as Little as 7 Days
Unlike NFIP’s 30-day wait, many private policies begin protecting you within a week. That means you could be covered before the next storm even hits.
As winter settles in, a little preparation can go a long way. Flooding may not be the first thing on your mind when temperatures drop, but it’s one of the easiest risks to underestimate. Reviewing your coverage now ensures you’re not caught off guard later — and that your home stays protected no matter what the weather decides to throw your way.