An early spring thaw can produce large amounts of runoff in a short amount of time. Because the ground is still frozen, water cannot be reabsorbed. The water runs off the surface and flows into lakes and rivers, causing excess water to spill over the banks.

Floods can happen almost anywhere, so be prepared! According to the National Flood Insurance Program (NFIP), even one inch of water in your home can cause up to $7,800 in damage. Flooding is NOT covered in a standard homeowners, renters or business insurance policy.

How do I buy flood insurance?

Flood insurance is sold by licensed insurers, so  This e-mail address is being protected from spambots. You need JavaScript enabled to view it   if you would like more information or to get a quote. NOTE: Flood insurance does not go into effect immediately. Most flood insurance policies have a 30-day waiting period.

What does flood insurance cover?

• Flood damage to your home's structure, including damage to the furnace, water heater, air conditioner, etc.
• Flood damage to your furniture, rugs, appliances, and clothing.
• Expenses you incur to protect your home against imminent flood damage by sandbagging or other measures.
• Clean-up costs including debris removal

It's a good idea to properly value your possessions in case disaster strikes. Click here for a useful list to help you identify what you own and what it's worth.

After you purchase flood insurance, there are other things you can do to minimize loss in your home:

• Make sure your sump pump is working and then install battery-operated backup, in case of a power failure. Installing a water alarm will also let you know if water is building up in your basement.
• Clear debris from gutters and downspouts.
• Place the furnace, water heater, washer and dryer on cement blocks at least 12 inches above the projected flood elevation.
• Develop a family emergency plan
  • Create a safety kit with drinking water, canned food, first aid, blankets, a radio, flashlights
  • Post emergency telephone numbers by the phone
  • Plan and practice a flood evacuation route with your family
  • Have a plan to protect your pets

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Information from National Association of Insurance Commissionersand NFIP.