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Everything You Need to Know About Wildfires & Flood Insurance

When you think about wildfires, the images that come to mind are images of roaring flames, burning trees, and firefighters doing all they can to contain the blaze. The immediate call is typically one of hope. Hope for wetter weather and life-saving rains to help contain the blaze.

While these calls for help from mother nature are well-intentioned (and much needed during massive wildfire events), the experienced team at Wright Flood asks you to share with clients that with life-saving rains come flooding, mudflows, and debris flows that endanger the lives, homes, properties, and businesses of those who just underwent an already terrible ordeal.

When a large-scale wildfire occurs, it drastically changes the landscape, creating optimal conditions for dangerous flash flooding, mudflow, and debris flow for up to 5 years after the incident. It’s important for home and business owners in at-risk areas to understand their flood insurance options to protect their families and their property.

For example, if homeowners located below a wildfire that includes federal land purchase flood insurance within 60 days of a wildfire’s containment date, they have the opportunity to have the 30-day waiting period waived.


To learn more about flooding after wildfires, how it can affect your clients’ families, and how to protect their homes or businesses, check out these facts from

Flood after Wildfires: Having Flood Insurance Is Important

Floods are the most common and costly natural hazard in the nation. After a wildfire, the flood risk increases significantly. The time for property owners to buy flood insurance is now and agents can help their clients protect themselves financially from the devastating losses flooding can bring–including after a wildfire–before the next weather event occurs.


Wildfires Increase Flood Risk

Large-scale wildfires dramatically alter the terrain and ground conditions. Normally, vegetation absorbs rainfall, reducing runoff. However, wildfires leave the ground charred, barren, and unable to absorb water, creating conditions ripe for flash flooding and mudflow. Flood risk remains significantly higher until vegetation is restored—up to 5 years after a wildfire.

Flooding after a fire is often more severe, as debris and ash left from the fire can form mudflows. As rainwater moves across charred and denuded ground, it can also pick up soil and sediment and carry it in a stream of floodwaters. This can cause more significant damage.


Homeowners and Renter’s Insurance Don’t Cover Flood Damage

A flood does not have to be a catastrophic event to bring high out-of-pocket costs, and property owners do not have to live in a high-risk flood area to suffer flood damage. Around twenty percent of flood insurance claims occur in moderate-to-low risk areas. And, do you know property owners are five times more likely to experience a flood than a fire during the next 30 years? Agents should advise their clients to:

  • Buy Flood Insurance. Most standard homeowners’ and renters’ policies do not cover flood damage. Flood insurance for properties considered to be, statistically speaking, at lower risk for flooding (outside the high-risk flood areas) is probably much more affordable than your clients realize. And it is likely to be the only policy that will help if a property is flooded, including after a wildfire.


Will It Take 30 Days For A Policy To Become Effective?

Typically, a 30-day waiting period from date of purchase will apply for all new business and increased coverage requests. However, under the Post-Wildfire exception, the standard waiting period does not apply if:

  1. The covered property experiences damage caused by flood that originated on Federal land;
  2. Post-wildfire conditions on Federal lands caused or worsened the flooding; and
  3. An NFIP policy was purchased before or during the 60-day period following the containment date.

Be sure to offer flood insurance to every client to avoid E&O exposure.


If you are interested in representing Wright or would like more information on Wright’s flood insurance products, please visit us here or call Wright’s Regional Sales Manager, Robert Pichay, at 727-410-1666.

Wright Flood

*This article, courtesy of Wright Flood, contains excerpts and resources from FEMA’s “Wildfires: You Need Flood Insurance.”

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