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Flooding Headquarters

Flood Outlook Map 2018

Recent heavy rains in many parts of the country have contributed to dangerous flood conditions.

The combination of rain along with warmer temperatures melting the winter snowpack in the Northwest has produced record-setting river flooding in Montana and eastern Washington. Additionally, torrential rain in the Midwest, particularly the Illinois, Michigan and Wisconsin has created dangerous flash flooding in some areas.

Heavy rainstorms this time of year can quickly saturate an area and turn streams and rivers over their banks. PCI says it is essential for residents to realize that flooding can occur anywhere – more than 20 percent of flood claims come from properties outside the high-risk flood zone.

PCI urges homeowners to take steps to be prepared.

1. Understand your flood risk.
Determine if you live in a floodplain or if you’re in an area that has flooded previously – there’s a chance it will flood again.

2. Make sure you have flood insurance.
It is important for homeowners to know that flood insurance is not typically covered by a homeowners insurance policy. However, it is available as a separate policy through the National Flood Insurance Program.

3. Be prepared to evacuate to higher ground if necessary.
Listen for weather alerts or flood warnings and map out multiple evacuations routes.

As homeowners prepare for severe weather this spring, insurers also recommend creating an emergency supply kit, home inventory of your possession and talking with your insurer or agent about your coverage options – including flood insurance.

PCI's Flooding Headquarters offers vital information for those impacted by floods. As we provide tips on what to do before, during and after a flood, follow us on Twitter @PCIAA and use #becovered.