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If you're a homeowner in Southwest Washington, you're no stranger to the risks posed by flooding. Heavy rainfall, overflowing rivers, and other natural disasters can cause significant damage to your property, leaving you with a massive financial burden to deal with. That's why having flood insurance in Southwest WA is essential to protect yourself and your property.
According to the National Flood Insurance Program (NFIP), floods are the most common natural disaster in the United States, and they can happen anywhere at any time. However, the risks of flooding in Southwest WA are much higher than in other parts of the country. In fact, Washington State is ranked among the top ten states with the highest flood risk, with a 1 in 6 chance of experiencing a flood in any given year.
One of the primary reasons for the increased risk of flooding in Southwest WA is the region's geography. The area is home to many rivers and streams, including the Columbia River, which is the fourth-largest river in the US by volume. Heavy rainfall, snowmelt, and other weather events can cause these rivers and streams to overflow, leading to severe flooding.
Additionally, Southwest WA is prone to other natural disasters, such as landslides and mudflows, which can also cause significant damage to homes and properties. In fact, according to the Washington State Department of Natural Resources, landslides and mudflows cause an average of $25 million in damages each year in the state.
Flood insurance can provide critical protection against these types of disasters. Unlike standard homeowners' insurance policies, flood insurance specifically covers damages caused by floods, including losses from rising water, debris flow, and mudslides. With flood insurance, you can rest assured that you're protected against the financial fallout of a flood or other natural disaster.
If you're a homeowner in Southwest WA, having flood insurance is an absolute must. The risks of flooding in the area are high, and natural disasters like landslides and mudflows only add to the danger. By investing in flood insurance, you can protect your property and your finances from the devastating effects of a flood. Contact Evergreen Insurance to learn more about your flood insurance options.