OAKLAND, Calif. – After another relentless wildfire season, thousands of property owners in burn scar areas now face increased risk of flooding and mudflows. Wildfires destroy the plants and root systems that stabilize hillsides. Without this vegetation, even small amounts of rain can trigger a flood or mudflow that can occur quickly and with little warning – an increased risk that can last for several years or until enough ground-stabilizing vegetation takes root.
Homeowners and renters do not have to bear the entire risk themselves since mudflow coverage is part of a standard policy from the Federal Emergency Management Agency’s National Flood Insurance Program (NFIP). NFIP policies offer flood insurance coverage to property owners, renters and business owners. The maximum coverage for a residential building is $250,000, $100,000 for contents. Commercial structures are eligible for the maximum coverage of $500,000, $500,000 on contents.
Protect yourself today. Winter rains are just around the corner and the risk of flooding and mudflows is more pressing than ever. Not to mention, there is generally a 30-day waiting period before an NFIP policy becomes effective.
For more information on the NFIP or to locate an insurance agent, contact the help center at (877) 336-2627 or visit FloodSmart.gov.
###
FEMA’s mission is helping people before, during, and after disasters. Follow FEMA Region 9 online at twitter.com/femaregion9.