no rest for the west

Flood After Fire Campaign

Did you know properties directly affected by fires are most at risk for flooding?

Since scorched ground can no longer absorb water, residents living downstream of fire-affected areas and in nearby neighborhoods could experience flash flooding and mudflows for up to five years or more after a wildfire. Local agents are encouraged to use the resources below to work with clients to raise awareness about the risk of flooding after fires.

Take Action: Join the Campaign

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Talking Points

Provide your clients with key information about flooding after wildfires.

  • After an intense wildfire, burned vegetation and charred soil form a water-repellent layer blocking water absorption for years.
  • During rainfall, water bounces off the soil and even a light rain can potentially turn into a flood or mudflow.
  • Properties located below or downstream from burn areas are at an increased risk of flooding.
  • Just one inch of floodwater in your home can cause up to $25,000 of damage or more.
  • Most homeowner, renter, and business insurance policies do not cover flood damage and a policy takes 30 days to go into effect. 
  • While federal disaster assistance may be available after flooding, FEMA’s Individual and Household program is only available if the President declares a major disaster declaration and does not provide as much financial assistance as flood insurance.
  • If your client received federal disaster assistance from a flood, they may be required to obtain and maintain flood insurance. Additionally, second homes are not eligible for disaster assistance, flood insurance is the best way to protect this investment.

Know The Risks

Burnt, charred ground can’t absorb water, making rainfall more dangerous in communities affected by wildfires. See how flood insurance can give financial protection and peace of mind.