Why Do Fires Often Lead To Floods?
Fire damage often leads to or coincides with flood damage. If you reside in a region that has recently experienced wildfire damage, you may want to obtain flood insurance coverage. The Federal Emergency Management Association is partnered with the National Flood Insurance Program. Learn more about the connections between fire and flooding damage and the coverage offered by FEMA NFIP to offset mitigation and restoration expenses.
Exterior Fires and Floods
Wildfires char the ground and eliminate vegetation. A fire near a residence can have several effects that combine to increase flooding risks:
- Charred becomes resistant to absorbing rainfall
- Runoff increases and may result in mudflows
- Flash flooding risks increase
Flood risks may remain elevated for up to five years following a wildfire. Nearby homeowners should consider obtaining insurance coverage through FEMA NFIP or a private flood insurance provider.
Interior Combined Damage
Localized fires that affect a single residence or a limited area can also result in a combination of fire and water damage. This type of flooding usually results from suppression attempts and can exacerbate fire damage in a few ways:
- Thousands of gallons of water may be present in a structure
- Water damage must be mitigated before fire damage
- Combined damage increases risks of superficial and structural damage
If a fire has caused damage at your residence, you should document and report damage to a homeowners insurance provider. Standard policies usually cover fire damage and water damage due to fire suppression efforts. Flood insurance is only necessary for external water damage caused by heavy rains or rising bodies of water.
If wildfire damage has recently affected areas in or near North Salt Lake, UT, you may want to investigate flood insurance coverage through FEMA NFIP. For combined fire and flooding damage resulting from fire suppression, notify your homeowners insurance provider and arrange to have damage assessed by mitigation and restoration professionals.