![]() To put it simply, overland floodwater is dangerous, falling into the third category of water damage. Low-lying areas, including those below sea level.Areas prone to frequent freeze-thaw cycles.Areas that experience heavy seasonal rains.Land near lakes, retaining ponds, and other bodies of water.Other areas susceptible to overland flooding include: ![]() Whether a property is located within a floodplain or not, property owners explore flood insurance options to ensure coverage in case of a flood loss. While “floodplain” is defined as “an area of flat land beside a river that regularly becomes flooded when there is too much water in the river,” for insurance purposes this term may also refer to any area susceptible to floodwaters from any source, not just rivers. High-Risk AreasĪny location within a floodplain is at a higher risk of overland flooding. Municipalities and weather services usually provide areal flood warnings and updates on flood stages, allowing nearby property owners to take measures to protect their buildings and material goods. As with a flash flood, areal floodwaters can contain harmful bacteria and other contaminants. The water volume may increase with snowmelt during a spring thaw or in a particularly rainy season. Unlike flash floods, areal floods happen more slowly and in stages. Areal FloodsĪn areal flood occurs when rivers, lakes or retaining ponds overflow their banks due to a gradual increase in water volume. There is little or no time to prepare a property for the oncoming water, and the primary focus is on damage mitigation and recovery.
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