When people think about flooding, they often picture spring rains or summer hurricanes. But did you know that winter is one of the most overlooked times for flood risks?
Melting snow, ice jams, and heavy seasonal storms can cause unexpected flooding, leaving homeowners unprepared. That’s why getting flood insurance during the winter months is a smart move—and Raymond Nelson Insurance is here to help you stay protected.
Winter Flood Risks:
Many homeowners assume that if they don’t live in a high-risk flood zone, they don’t need flood insurance. But according to FEMA, about 25% of all flood claims come from low-to-moderate risk areas. Here’s how winter can put your home at risk:
- Snowmelt Flooding – A heavy snowfall followed by a sudden warm spell can cause rapid snowmelt. This can overwhelm drainage systems and lead to flooding.
- Ice Dams and Blockages – Ice formations on rivers and streams can create natural dams. This can cause water to back up and flood nearby areas.
- Winter Storm Surges – Coastal areas are particularly vulnerable to winter storms, which can bring strong winds and high tides. This can lead to flooding.
- Frozen Ground Runoff – When the ground is frozen, it can’t absorb rain or melted snow. This increases the risk of surface flooding.
Don’t Wait to get Flood Insurance
Many homeowners are surprised to learn that flood insurance policies usually have a 30-day waiting period before they take effect. If you wait until spring rains start, it may be too late to get covered in time. By securing flood insurance in the winter, you ensure that your home is protected before the risk increases.
Now’s the Time to Review Your Health & Life Insurance, Too
While you’re taking steps to protect your home, don’t forget about your personal well-being. Winter is a great time to review your health and life insurance policies to make sure they meet your needs.
- Health Insurance Check-Up – The colder months often bring flu, seasonal illnesses, and unexpected medical expenses. Winter is a great time to check for coverage gaps or better options.
- Life Insurance Protection – Life is unpredictable, and ensuring your family’s financial security should always be a priority. Whether you need term life insurance for income protection or a whole life policy for long-term security, we can help. Reviewing your policy now can give you peace of mind for the future.
Whether it’s flood, health, or life insurance, being proactive is the best way to protect yourself, your family, and your assets. We offer personalized guidance to help you find the best coverage for your needs—before the unexpected happens.
Contact us today to discuss your flood, health, and life insurance options and ensure a safer, more secure future.
At Raymond Nelson Insurance, we go the extra mile to find the coverage that best protects what matters most. We always take the time to get to know each client and serve their best interests. Call us today at (270) 885-1800 or contact us online for more information.