February 2023

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Common Flood Types

Understanding Your Flood Risk

Installing flood barriers and sump pumps are two effective ways to prepare your home or business for a potential flood.

Flood Barriers

Flood barriers, such as sandbags, flood walls, or flood gates, help to prevent water from entering your property and can significantly reduce the risk of damage to your home or business.

Sump Pumps

Sump pumps, on the other hand, are designed to remove water accumulated in a sump basin, typically located in the basement of a property. Sump pumps are particularly useful in homes or businesses located in areas prone to flooding, as they help to prevent water from entering your property and can reduce the risk of water damage to your property.

  • Remember

When installing flood barriers and sump pumps, it is important to consider the specific needs of your property and to work with a professional contractor to ensure that the installations are done properly. Flood barriers should be installed according to the manufacturer’s instructions, and sump pumps should be tested regularly to ensure they work properly.

In addition to installing flood barriers and sump pumps, it is also essential to be prepared to activate these systems in the event of a flood. This includes having backup power sources, such as a generator, to ensure that the sump pump continues to operate even if the power goes out.

Maintaining Your Property’s Drainage System

Maintaining your property’s drainage system is important in preparing for a potential flood. A well-maintained drainage system can help prevent water from pooling around your property and reduce the risk of flooding. This can include simple measures, such as cleaning your gutters and downspouts, or more complex projects, such as installing a stormwater management system.

In addition to preventing flooding, maintaining your property’s drainage system can also help to reduce the risk of erosion and water damage. This includes inspecting and repairing any damaged drainage systems and installing additional drainage features, such as catch basins or storm drains.

Drainage System Types

A proper drainage system prevents water damage and flooding to your home or business. Several types of drainage systems are available, each with its advantages and disadvantages. It is important to understand these options to determine which system is best for your needs. Some common types of drainage systems for residential use include:

Surface Drainage System:

This system is designed to collect and direct rainwater away from your property, reducing the risk of flooding. A surface drainage system can include features such as gutters, downspouts, and larger drainage channels or ditches. The key to a successful surface drainage system is ensuring that the water is directed away from your property and into a suitable location, such as a storm drain or a retention pond.

Subsurface Drainage System:

A subsurface drainage system is designed to collect and manage water located below your property’s surface. This system is typically used in low-lying areas, where water can accumulate and cause damage to your property’s foundation. A subsurface drainage system can include features such as French drains, underground channels that collect and direct water away from your property, or sump pumps, which pump water out of your property and into a suitable location.

Stormwater Management System:

A stormwater management system is designed to capture, store, and manage rainwater responsibly and sustainably. This type of system can include permeable pavers, rain gardens, and green roofs, which help reduce the risk of flooding and protect your property from water damage. Stormwater management systems can also help reduce rainfall’s impact on local waterways, protecting the environment and preserving the ecosystem.

Combination Drainage System:

A combination drainage system combines elements of both surface and subsurface drainage systems, providing a comprehensive solution to water management. This type of system can include gutters and downspouts, underground drainage channels, sump pumps, and stormwater management features. A combination drainage system provides a high level of protection against flooding and is ideal for properties in areas prone to heavy rainfall or flash flooding.

  • When choosing a drainage system for your home or business, it is crucial to consider the specific needs of your property, as well as your budget and overall water management goals. By working with a professional contractor, you can determine which type of drainage system is best for your needs and ensure that your property is protected against potential floods and water damage.

Drainage System Maintenance

One of the simplest ways to maintain your property’s drainage system is to keep your gutters and downspouts clean. Leaves, debris, and other materials can block water flow through your gutters and downspouts, causing water to overflow and pool around your property. Regular cleaning of your gutters and downspouts can help prevent this.

In addition to cleaning your gutters and downspouts, you should inspect your property’s catch basins and make sure they are clear of debris. Catch basins are designed to collect water from your property’s drainage system and prevent it from pooling around your home or business. If the catch basin is clogged, water will not drain properly, and your property will be at risk of flooding.

Purchasing Adequate Insurance Coverage

Purchasing adequate insurance coverage is crucial in preparing for a potential flood. Flood insurance can provide financial protection in the event of a flood, helping to cover the costs of repairing damage to your home or business and replacing any lost or damaged property.

There are two main types of flood insurance: standard flood insurance, which is provided by the National Flood Insurance Program (NFIP), and private flood insurance, which private insurance companies offer. Standard flood insurance provides coverage for damage to your building and personal property and additional living expenses if you cannot live in your home due to flood damage. Private flood insurance can provide additional coverage options, such as higher limits, lower deductibles, and coverage for items such as septic systems, wells, and detached structures.

It is important to be aware that there is typically a 30-day waiting period after purchasing flood insurance before coverage takes effect. This means that it is important to buy flood insurance well in advance of a potential flood to ensure that you are fully protected and can file a flood insurance claim when you need it. By purchasing adequate insurance coverage, you can give yourself peace of mind, knowing that you are prepared for any flood situation.

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