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The winter months bring all kinds of wet and snowy weather, but they also bring about a variety of conditions such as heavy
rains, ice jams and rapid snowmelt that can increase your flood risk. In addition, winter storms can generate high winds that
may result in widespread tidal flooding and severe beach erosion along coastal areas. Check below to see if any of these
conditions might increase the flood risk in your area:


Flood After Fire
Many areas in the western states are at an increased flood risk due to wildfires in
recent years. After a wildfire, the charred ground where vegetation has burned
away cannot easily absorb rainwater, increasing the risk of flooding and mudflows
over a number of years. Wildfire-affected areas include states such as Arizona,
California, Idaho, Nevada, Oregon and Washington. Properties directly affected by
fires and those located below or downstream of burn areas are most at risk.


Ice Jams
Long cold spells can cause the surface of rivers to freeze, leading to ice jams.
When a rise in the water level or a thaw breaks the ice into large chunks, these
chunks can become jammed at man-made and natural obstructions, resulting in
severe flooding.



Snowmelt
A midwinter or early spring thaw can produce large amounts of runoff in a short
period of time. Because the ground is hard and frozen, water cannot penetrate
and be reabsorbed. The water then runs off the surface and flows into lakes,
streams and rivers, causing excess water to spill over their banks.



Heavy Rains
Several areas of the country are at heightened risk for flooding due to heavy
rains. This excessive amount of rainfall can happen throughout the year, putting
your property at risk. Storms over the Pacific Ocean bring heavy rains to the
western United States between the months of November and April. Cresting rivers,
backed-up storm drains or saturated ground can cause significant floods across
the region during this time.


La Niña
Unlike its sibling El Niño, La Niña brings lower-than-average temperatures and
increased mountain snow to the Pacific Northwest and western Montana during
the winter months. During a period of La Niña, weather forecasters predict colder
and wetter than average conditions in affected areas, which could lead to more
storms. These stronger and more frequent storms can lead to flooding caused by
oversaturated ground, overfilled storm drains or rivers spilling over their banks or
levees.



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Learn About Flood Insurance at the
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What Causes Flooding
Wildfires
Ice Jams
Heavy Rains
La Nina
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