Spring Flooding Risk in Massachusetts

The longer days and the warmer weather are all part of the welcome signs of spring.  Did you know that spring also brings with it conditions that can increase flood risk to your property?


Wilmington NC Flood Photo Geomni

Image courtesy of Geomni

According to FEMA, conditions that increase spring flood risk are heavy rains, severe weather, and rapid snowmelt.  Here's how they can affect you.

How spring thaw brings about flood risk

Warmer weather that brings about snow melt can produce large amounts of water in a small amount of time.  During the early part of the spring, the underground may still be frozen so the snow you see above ground has no where to seep in as it melts.  That water flows into lakes, streams, rivers and ponds and can cause excess water to spill out.  Add heavy rain to that, and the result is severe spring flooding. 

How spring rain brings about flood risk

Spring rain storms can bring many inches of precipitation in just hours or it can hang around a region for days.  Heavy rains can bring about severe flooding as it oversaturates the ground, overfilling storm drains, rivers, lakes, and ponds.

How flash flooding brings about flood risk

A flash flood is rapid flooding of low lying areas.  This can occur in six hours or less and be caused by an intense rainstorm.  

What is my risk of spring flooding?

Everyone is at some risk for spring flooding, whether you are in a high-hazard flood zone or not.  According to FEMA, over 20% of flood insurance claims occurs in areas of low-to-moderate risk flood zones. 

What would a flood in my home cost me?

Flood does not have to be a catastrophe to cost a lot of money.  Without flood insurance, you as a homeowner would have to cover the cost to repair out of pocket. According to FEMA, just one inch of flood water could cause $25,000 damage to your home.  A few inches of water can cause tens of thousands of dollars in damage.  



Home insurance does not cover you for flood

The standard, unendorsed home insurance policy does not cover you for flood damage.  You need a separate flood insurance policy.  Rates vary depending on many conditions.  If you would like a quote on a flood insurance policy for you home, you can start the process here. 

Quote my Flood Insurance 

The time to act is now.  Typically, there is a 30-day waiting period from the date you purchase your flood insurance policy until the date it goes into effect, so call us today at 617-846-5000 to get your quote started.  

What to do Next?

Have us review your insurance policies and check that your limits are sufficient. Ask what the cost is to bump it up under higher limit scenarios.

Call today 617-846-5000 or click here 24/7/365 and we will get back to you same day or the next business day