Florida’s flat landscape and powerful hurricane season create the ideal conditions for a flood, with a single storm capable of dropping several inches of rain in a matter of hours. Unfortunately, standard homeowner’s insurance policies don’t cover most water damage, so you could be left paying out of your own pocket if your house is damaged in a flood. Below are a few signs your home may be at greater risk of flood damage.

How Can You Tell If a House Will Flood?

1. Visible Waterlines

If your land is the lowest in the area, during the rainy season, runoff from neighboring properties may have nowhere else to go but your yard. When this happens, residue is often left behind at the high-water mark. Look for dark stains or distinct waterlines on trees, building foundations, or fences.

2. Nearby Bodies of Water

Lakes and creeks can be picturesque and relaxing, but having one nearby dramatically increases your chances of a flood. Check the banks of nearby bodies of water for signs of recent erosion, like downed trees and exposed earth by the shoreline, which can indicate how often it floods.

3. Recent Flooding

No area is completely safe from flooding, but places that have flooded before will likely do so again. If you’re new to the neighborhood, ask neighbors whether houses in the area have suffered flooding in the past. If so, adding flood coverage to your homeowner’s insurance can protect you from a repeat disaster.

As one of Wesley Chapel’s most trusted insurance agencies, Family First Insurance Services is dedicated to helping Floridians protect what matters most. Because they understand the unique risks you face, they include flood and storm coverage in every homeowner’s insurance policy. Visit their website for more on their wide range of services, or call (813) 994-3900 to request your free quote.