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Heavy Rain

Heavy Rains

Heavy Rains

Many areas of the country are at heightened risk for flooding due to heavy rains. This excessive amount of rainfall can happen anytime throughout the year, putting your property at risk.

Storms over the Pacific Ocean bring heavy rains to the western United States between the months of November and April. Spring rains in colder climates can lead to flooding when the still-frozen ground cannot absorb the water. And summer months often bring heavy rains to the eastern and southern United States as warm air and moisture from the ocean move inland.

Cresting rivers, backed-up storm drains or saturated ground can cause significant, widespread floods during these times.

Prepare for heavy rains

  • Review your current homeowners insurance policy and become familiar with what is and is not covered, as damage due to flooding is typically not covered.
  • Call your insurance agent to purchase flood insurance for your home (and business) and its contents.
  • Make a flood plan and plan evacuation routes.
  • Itemize and take pictures of possessions.
  • Keep valuable items and family heirlooms on the upper floors of your home or building.
  • For more information about how to prepare for a flood, click here.
  • To learn more about flood risks associated with heavy rains, download this fact sheet.

Other Winter Flood Risks


Everyone is at risk

Floods can happen almost anywhere. They are not limited to coastal areas or to devastating tropical storms. Find Out More

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For flood insurance rating purposes, a primary residence is a building that will be lived in by the insured or the insured's spouse for at least 80 percent of the 365 days following the policy effective date. If the building will be lived in for less than 80 percent of the policy year, it is considered to be a non-primary residence.

How Can I get Covered?

  • Rate your risk
  • Estimate your premiums
  • Find an agent

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Last Updated: Thursday, 19-May-2016, 3:20 PM (EDT)

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