Did you know that WINTER is one of the most overlooked times for flood risks?
Melting snow, ice jams, and heavy seasonal storms can cause unexpected flooding, leaving homeowners unprepared. That’s why getting flood insurance during the winter months is a smart move. Eikamp Insurance can help you stay protected.
Winter Flood Risks
Many homeowners assume that if they don’t live in a high-risk flood zone, they don’t need flood insurance. But according to FEMA, about 25% of all flood claims come from low-to-moderate risk areas. Here’s how winter can put your home at risk:
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Snowmelt Flooding – A heavy snowfall followed by a sudden warm spell can cause rapid snowmelt. This can overwhelm drainage systems and lead to flooding.
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Ice Dams and Blockages – Ice formations on rivers and streams can create natural dams. This can cause water to back up and flood nearby areas.
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Winter Storm Surges – Coastal areas are particularly vulnerable to winter storms, which can bring strong winds and high tides. This can lead to flooding.
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Frozen Ground Runoff – When the ground is frozen, it can’t absorb rain or melted snow. This increases the risk of surface flooding.
Don’t Wait to get Flood Insurance
Many homeowners are surprised to learn that flood insurance policies usually have a 30-day waiting period before they take effect. If you wait until spring rains start, it may be too late to get covered in time. By securing flood insurance in the winter, you ensure that your home is protected before the risk increases.
Being proactive is the best way to protect yourself, your family, and your assets. We offer personalized guidance to help you find the best coverage for your needs—before the unexpected happens.
