Spring Flood Season: Are You Protected?

As the days grow warmer and the seasons change, spring brings more than just blooming flowers—it also marks the start of flood season. Many homeowners don’t realize that flooding is the most common and costly natural disaster in the U.S. and that standard home insurance policies do not cover flood damage.

Why Spring Brings Higher Flood Risks

Spring flooding can happen in any state, and the risks are often higher than homeowners expect. Here’s why:

• Heavy Rainfall – Spring storms bring intense downpours that can quickly overwhelm storm drains and natural waterways.
• Melting Snow – As temperatures rise, accumulated snow rapidly melts, sending excess water into rivers, streams, and low-lying areas.
• Saturated Ground – If the ground is already wet from previous storms, it won’t be able to absorb additional water, leading to increased runoff and flooding.
• Flash Floods – Sudden bursts of rain can create dangerous flash floods, which can develop in minutes and cause widespread damage.

Does Homeowners Insurance Cover Flooding?
Most standard homeowners’ policies do not cover flood damage. Flood insurance is a separate policy that protects your home and belongings from rising water, storm surges, and flash floods.

When Should You Buy Flood Insurance?

If you don’t already have flood insurance, now is the time to act. Most policies through the National Flood Insurance Program (NFIP) require a 30-day waiting period before coverage takes effect. That means you need to secure coverage before a storm is in the forecast.

Flood Preparedness Tips

While insurance is crucial, there are also steps you can take to minimize flood damage:

• Elevate Electrical Systems – Raise outlets, switches, and appliances above potential flood levels.
• Install Flood Barriers – Use sandbags or flood barriers to protect entryways.
• Maintain Drainage Systems – Keep gutters, downspouts, and drains clear of debris.
• Store Valuables Safely – Keep important documents and valuable items in waterproof containers or on upper floors.

Call Klinger Insurance Group Today!
Flood risks can rise quickly in the spring—don’t wait until it’s too late! Call Klinger Insurance Group at 301-428-4935 today to review your coverage and secure the right flood insurance protection for your home.