Floods can happen any time and anywhere. Those living and working in low-lying areas or near creeks, streams, or culverts are at higher risk for flooding.
Floods occur when rain falls in excess of what the ground can absorb or drains and pipes can carry away. Flash Floods occur when large amounts of rain falls over a short amount of time.
Flood risk is based on a variety of factors. Check area Flood Hazard Maps to know your flood risk. Flood insurance is in addition to your home-owner's insurance. The lower your risk, the lower your premium may be.