If you live in Arizona, you may think there is less need for flood insurance because there is such a lack of water in the desert. However, one reason to have flood insurance in the desert, which is surprising, is the risk of flash floods.
What is a flash flood?
Flash floods happen in Arizona because the soil may be hard and dry so it does not absorb water. During summer, especially in the Tuscon area, sudden thunderstorms can dump a great deal of rain that overwhelms the ability of the terrain to absorb it. Moreover, urban areas flood quickly due to pavement and poor drainage.
How dangerous are flash floods?
Flash floods are a leading cause of weather-related deaths and severe property damage. Rural areas and steep slot canyons are able to get filled with water and become very dangerous in a short time frame.
High risk areas include low-water crossings and roads, desert washes and riverbeds (including dry beds), and urban streets due to heavy storms.
Can the water flood my home?
Yes, flash floods can overwhelm even the best prepared homes because a sudden wall of water may come down the street, wrecking havoc and filling your home with water.
How do I know if I am in a flood risk area?
The federal emergency management agency (FEMA) maintains flood maps that show areas with historical flooding problems. However, it is best to work with your insurance agent at The Insurance House serving Tucson, AZ, to determine your potential flood risk because the FEMA maps might be outdated.
Climate change is increasing the areas that are subject to flood risk, and it is better to be prepared before disaster occurs.
Talk to your agent at The Insurance House serving Tucson, AZ, for all your flood insurance and other home insurance needs.
