Floods are one of the most common hazards in the United States, however not all floods are alike. Some floods develop slowly, while others such a flash floods, can develop in just a few minutes and without visible signs of rain. Additionally, floods can be local, impacting a neighborhood or community, or very large, affecting entire river basins and multiple states.
Flash floods can occur within a few minutes or hours of excessive rainfall, a dam or levee failure, or a sudden release of water held by an ice jam. Flash floods often have a dangerous wall of roaring water carrying rocks, mud and other debris. Overland flooding, the most common type of flooding event typically occurs when waterways such as rivers or streams overflow their banks as a result of rainwater or a possible levee breach and cause flooding in surrounding areas. It can also occur when rainfall or snowmelt exceeds the capacity of underground pipes, or the capacity of streets and drains designed to carry flood water away from urban areas.
Be aware of flood hazards no matter where you live or work, but especially if you are in low-lying areas, near water, behind a levee or downstream from a dam. Even very small streams, gullies, creeks, culverts, dry streambeds or low-lying ground that appear harmless in dry weather can flood.
What would you do if your property were flooded? Are you prepared?
Even if you feel you live in a community with a low risk of flooding, remember that anywhere it rains, it can flood. Just because you haven’t experienced a flood in the past, doesn’t mean you won’t in the future. Flood risk isn’t just based on history; it’s also based on a number of factors including rainfall , topography, flood-control measures, river-flow and tidal-surge data, and changes due to new construction and development.
Flood-hazard maps have been created to show the flood risk for your community, which helps determine the type of flood insurance coverage you will need since standard homeowners insurance doesn’t cover flooding. The lower the degree of risk, the lower the flood insurance premium.
In addition to having flood insurance, knowing following flood hazard terms will help you recognize and prepare for a flood.
To prepare for a flood, you should:
Tropical Storms and Hurricanes - Hurricanes pack a triple punch: high winds, soaking rain, and flying debris. They can cause storm surges to coastal areas, as well as create heavy rainfall which in turn causes flooding hundreds of miles inland. While all coastal areas are at risk, certain cities are particularly vulnerable and could have losses similar to or even greater than those caused by the 2005 hurricane, Katrina, in New Orleans and Mississippi.
When hurricanes weaken into tropical storms, they generate rainfall and flooding that can be especially damaging since the rain collects in one place. In 2001, Tropical Storm Allison produced more than 30 inches of rainfall in Houston in just a few days, flooding over 70,000 houses and destroying 2,744 homes.
Spring Thaw - During the spring, frozen land prevents melting snow or rainfall from seeping into the ground. Each cubic foot of compacted snow contains gallons of water and once the snow melts, it can result in the overflow of streams, rivers, and lakes. Add spring storms to that and the result is often serious spring flooding.
Heavy Rains - Several areas of the country are at heightened risk for flooding due to heavy rains. The Northwest is at high risk due to La Niña conditions, which include snowmelts and heavy rains. And the Northeast is at high risk due to heavy rains produced from Nor’easters. This excessive amount of rainfall can happen throughout the year, putting your property at risk.
West Coast Threats - Although floods can occur throughout the year, the West Coast rainy season usually lasts from November to April. This window increases the chance of heavy flooding and flash flood risks.
Wildfires have dramatically changed the landscape and ground conditions on the West Coast, causing fire-scorched land to develop in to mudflows under heavy rain. Experts believe it will take years for the vegetation to be fully restored, which in turn will help stabilize these areas.
In addition to the heavy rains and wildfires, the West Coast has thousands of miles of levees, which were constructed to help protect homes and land in case of a flood. However, levees are not fail-proof and can, weaken, or overtop when waters rise, often causing catastrophic results.
Levees & Dams - Levees are designed to protect hold back a certain level of water. However, levees can and do fail; and when they fail, they can fail catastrophically. Weakening of levees over time, or as a result of weather events exceeding the levee’s level of support, can cause the levee to be overtopped or breached, thus increasing the chance for flooding. Homeowners and renters insurance policies usually do not cover flood loss, therefore FEMA strongly encourages those who live and work behind levees to consider flood insurance as a dependable financial security from a flood event
Flash Floods - Flash floods are the #1 weather-related killer in the U.S. since they can roll boulders, tear out trees, and destroy buildings and bridges. A flash flood is a rapid flooding of low-lying areas in less than six hours, which is caused by intense rainfall from a thunderstorm or several thunderstorms. Flash floods can also occur from the collapse of a man-made structure or ice dam.
New Development - Construction and development can change the natural drainage and create brand new flood risks. That’s because new buildings, parking lots, and roads mean less land to absorb excess precipitation from heavy rains, hurricanes, and tropical storms.
Familiarize yourself with these terms to help identify a flood hazard:
Flood Watch - Flooding is possible. Tune in to NOAA Weather Radio, commercial radio or television for information.
Flash Flood Watch - Flash flooding is possible. Be prepared to move to higher ground; listen to NOAA Weather Radio, commercial radio or television for information.
Flood Warning - Flooding is occurring or will occur soon; if advised to evacuate, do so immediately.
Flash Flood Warning - A flash flood is occurring; seek higher ground on foot immediately.
The following are important points to remember when driving in flood conditions:
If a flood is likely in your area, you should:
If you must prepare to evacuate, you should do the following:
If you have to leave your home, remember these evacuation tips:
Your home has been flooded. Although floodwaters may be down in some areas, many dangers still exist. Here are some things to remember in the days ahead:
A flood can cause physical hazards and emotional stress. You need to look after yourself and your family as you focus on cleanup and repair.
While spring brings the promise of warm weather and longer days, it also brings a variety of conditions that can include heavy rains, severe weather, and rapid snowmelt that can increase your flood risk.
Don’t be caught off guard, get the facts and know the risks. Take action to protect yourself, your family, your business, and your finances—before a weather event occurs and it’s too late.
Use the tools here to learn the steps you can take before, during and after a flood to prepare yourself and your family.
To promote Flood Safety Awareness, FEMA’s Emergency Management Institute (EMI) has developed a series of training programs to encourage flood safety. This guide provides readers with an easy way to identify and access self-paced courses designed for people who have emergency management responsibilities and the general public.
FEMA has developed these resources to educate and inform communities about the importance of flood safety awareness. Regional information is available to help you get to know the risks in your area.
As a leader in public information response to emergency situations, the National Flood Insurance Program (NFIP) has developed this valuable tool designed to assist your efforts to educate and inform communities about the importance of flood insurance coverage.
Find additional information on how to plan and prepare for floods and learn about available resources by visiting the following websites:
Learn about the emergency plans that have been established in your area by your state and local government. In any emergency, always listen to the instructions given by local emergency management officials.