Did you know that the average flood insurance claim is about $66,000? The reality is that many property owners cannot afford to pay this amount out of pocket. Whether it’s flooding from hurricanes, heavy rainfall, or a spring flood, everyone is at risk of spring flooding. Even just a few inches of water can cause tens of thousands of dollars in damage.

According to FEMA, everyone is at risk of spring flooding, yet many remain unprotected. Flooding doesn’t have to be catastrophic to cause significant financial losses. Without proper protection, repair and recovery costs can be overwhelming.

Let’s take a look at how you can better protect your property this spring flood season, including flood protection solutions that are recognized by the flood insurance industry.

Understanding Spring Flood Risks

Spring brings warmer temperatures, melting snow, and heavy rains - but it also brings an increased risk of flooding. From rapid snowmelt and oversaturated ground to intense storms and flash floods, spring flooding can cause significant property damage in a short amount of time. 

Even areas protected by levees and dams aren’t immune, as these structures can weaken or fail under extreme conditions. Understanding these risks is the first step in protecting your property and ensuring you're prepared for potential flooding this season.

• Spring Thaw - Melting snow releases large amounts of water, but frozen ground prevents it from soaking in. This runoff flows into lakes, rivers, and streams, often causing them to overflow, especially when combined with seasonal storms.

• Spring Rains - Heavy spring storms can drop several inches of rain in hours or stall for days, oversaturating the ground, overwhelming storm drains, and causing rivers to flood.

• Flash Flooding - Sudden, intense rainfall can lead to flash floods in low-lying areas within hours, even in drought conditions.

• Levees and Dams - While designed to control flooding, levees and dams can weaken, erode, or fail during extreme flood events, increasing the risk of severe flooding.

Spring Flood & Insurance Coverage

Most standard homeowners' insurance policies do not cover flood damage - only flood insurance does. If you're in a flood-prone area or even a moderate-to-low-risk zone, securing a flood insurance policy is a critical step in protecting your property. 

Keep in mind that it typically takes 30 days for a new flood insurance policy to go into effect, so don’t wait until a flood is imminent. 

Comprehensive Flood Protection with Flood Response Assistance & Flood Risk America

While flood insurance helps cover damages after a flood, proactive protection is the best way to minimize losses. Flood Response Assistance offers flood risk assessments to help you understand your property's vulnerabilities and provides customized flood protection plans to ensure you're prepared before disaster strikes.

For the highest level of flood protection, Flood Risk America supplies FM-Approved flood barriers - recognized by the flood insurance industry and exceeding FEMA standards. These barriers provide durable, reliable protection, reducing the risk of costly flood damage and helping property owners secure better insurance rates.

Take Action Before Spring Flood Season

• Create & practice your emergency plan – Map out evacuation routes and ensure all family members or employees know the plan.
• Get a flood risk assessment – Identify weak points in your property and implement the right flood protection solutions.
• Install industry-approved flood barriers – Prevent water intrusion with FM-Approved flood panels that provide superior protection.
• Document your belongings – A thorough home or business inventory will make filing a flood insurance claim easier.

Visit FloodSmart.gov or call 1-800-427-2419 to explore your flood insurance options. Then, contact Flood Response Assistance to start the process of creating a flood-resilient property.