Flood After Fire: The Risk is Real



Wildfires have increased in frequency and intensity. This year in California alone, the wildfire season has been record-breaking.  While the peril of fire results in devastating damage and loss, there’s an additional threat after the fire that property owners should not overlook.

An increased risk for flooding after a fire is gone…even long gone.


Flood after Fire


The time is now* for property owners to purchase flood coverage. As temperatures begin to drop, rains begin.



According to the National Weather Service, “A half inch of rainfall in less than an hour is sufficient to cause Flash Flooding in a burn area.”  The forse of such dangerous, swift-moving water can devastate outlying areas not impacted directly by a fire as well as areas not traditionally prone to flooding.

*Standard NFIP guidelines require a 30-day waiting period from the date of purchase to the time a flood policy goes into effect.

Flood Insurance


We must take action to raise awareness about the risk of flooding after wildfires in the interest of all communities, this is a very real threat and keeps hitting the headlines every year.



  • After an intense wildfire, burned vegetation and charred soild 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 $25,000 of damage.
  • Most homeowners and renters insurance policies do not cover flood damage.