Some of the key issues to be aware of relative to flooding include:
- After an intense wildfire, burned vegetation and charred soil form a water-repellent layer blocking water absorption for several years.
- During rainfall, water actually bounces off the soil and even a light rain can potentially turn into a flood or mudflow.
- Properties located below or downstream from burn areas are at an increased risk of flooding.
- Just one inch of floodwater in your home can cause up to $25,000 of damage or more.
- Most homeowner, renter, and business insurance policies do not cover flood damage and a policy takes 30 days before it goes into effect.
- While federal disaster assistance may be available after flooding, FEMA’s Individual and Household program is only available if the President declares a major disaster declaration and does not provide as much financial assistance as flood insurance.