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Flooding is Always a Potential Threat

Release date: 
March 2, 2020
Release Number: 

DENVER - As winter comes to a close, communities look forward to the coming of spring and a return to the warm outdoors. But, it’s also a time to be aware of the threat of Mother Nature, meaning severe storms and flooding.  Rapid snowmelt or a couple of inches of rainfall can create potential flooding.

FEMA Region VIII Preparedness and Mitigation experts have several recommendations to help you get ready for the disruptions flooding can cause to your family’s lives and your homes.

The first thing to do is consider flood insurance. Even if you’re not in a flood plain area, you may be at risk to floods. Homeowners and renters insurance do not typically cover flood damage. In our region, the average cost of flood insurance is about $750 a year. Policies could be much lower if you are outside a designated floodplain. Since 1978, residents of the six states have collected more than $407 million in flood insurance payouts. And floods don’t have to be large to be costly, just one inch of water can cause $25,000 worth of damage to your home.

Talk to your insurance agent about a policy that provides coverage that’s right for you. It should be the first thing to do because there is a 30-day waiting period before a policy can take effect.  If the waters are rising, it’s too late to purchase a policy, which could mean significant out of pocket expenses.

Other steps you can take to protect your family and your property include:

  • Examine and clean your sump pump if you have one. Test your sump pump by pouring water into the pit. Make sure the discharge hose carries the water several feet away from your house to a well-drained area. Also make sure that the pipe is on sloped ground so it drains to prevent it from freezing.
  • Have a licensed electrician raise electric components (switches, sockets, circuit breakers and wiring) at least 12 inches above your home's projected flood elevation.
  • Place the furnace and water heater on masonry blocks or concrete at least 12 inches above the projected flood elevation.
  • If your washer and dryer are in the basement, elevate them on masonry or pressure-treated lumber at least 12 inches above the projected flood elevation.
  • Anchor any fuel tanks. An unanchored tank in your basement can be torn free by floodwaters and the broken supply line can contaminate your basement. An unanchored tank outside can be swept downstream, where it can damage other homes.
  • Make sure downspouts carry water several feet from your house to a well-drained area. About 2,500 gallons of water will come from a 1,000 square foot roof with one foot of snow depth across the roof. This much water may cause problems if allowed to drain next to your house.
  • Remove snow from around rural yards to minimize soft, wet soil conditions. Remember that a 20-foot diameter 10-foot high pile of snow contains about 2,600 gallons of water. Move the snow to well-drained areas.
  • Save monthly for out-of-pocket expenses that may not be covered by flood insurance. Go to and download the Emergency Financial First Aid Kit to get started on your financial preparedness.
  • Plan and practice a flood evacuation route with your family, your nearby neighbors, and other community organizations that provide essential lifeline services to your community.
  • Develop a Communications Plan. Ask an out-of-state relative or friend to be the "family contact" in case your family is separated during a flood. Make sure everyone in your family knows the name, address, and phone number of this contact person. 

Call (800) 427-4661 or visit to learn more about potential flood risks, flood insurance and how to prepare for floods. You also may visit for additional tools and guidance that will help you and your family plan ahead for every risk faced throughout your community.

Last Updated: 
February 28, 2020 - 11:18