flood facts

Flood Facts – Test Your Knowledge

Test your knowledge about floods and flood risks in the quiz below.

1.    Every state in the U.S. has experienced flooding, including flash flooding, in the past five years except for Nevada and Utah.

Please select TRUE or FALSE above.

x Incorrect!

Correct! – This is FALSE

According to the 2020 National Climate Report, below-average precipitation fell across much of the West, northern Plains and parts of the Northeast. Nevada and Utah ranked driest on record for 2020 with two additional western states ranking second driest. In fact, Utah’s 7.23 inches of annual precipitation was 0.89 inches less than the previous record set in 1956.  Despite that, Nevada and Utah experienced flash flooding in 2021. Flooding occurs in every U.S. state and territory, and is a threat experienced anywhere in the world that receives rain.

2.    Because of rising drought levels, extreme rain events are trending downward.

Please select TRUE or FALSE above.

x Incorrect!

Correct! – This is FALSE

As the atmosphere warms, there is more evaporation and more water available for rain, which contributes to changing weather patterns and flood risks. Extreme rain events are increasing in duration, intensity, and frequency, which causes more urban and flash floods, and more flooding from overflowing rivers and streams.

3.    A 1,000-year flood has a 0.001% chance of happening in any given year.

Please select TRUE or FALSE above.

x Incorrect!

Correct! – This is FALSE

A 1,000-year flood has a 0.1% chance of happening in any given year.

4.    There can be a “100-year flood” two years in a row.

Please select TRUE or FALSE above.

Correct! – This is TRUE

A “100-year flood” means that the chances that a river will flow as high as the 100-year flood stage this year is 1 in 100 and each year begins with the same 1% chance that a 100-year event will occur.

x Incorrect!

5.    Historically, properties outside of high-flood areas account for more than ____% of the recorded flood losses.

Please fill in the blank by selecting the correct % above.

x Incorrect!

x Incorrect!

Correct! – 40%

More than 40% of National Flood Insurance Program (NFIP) claims in the last five years come from outside the high-risk area. If you live in an area of minimal flooding, you may qualify for a low-cost Preferred Risk Policy.

6.    Most homeowners insurance policies cover damage caused by flooding.

Please select TRUE or FALSE above.

x Incorrect!

Correct! – This is FALSE

Unfortunately, many people do not find out until it is too late that their homeowners policy does not cover flooding.

7.     Floods are predicted solely by the data collected on the amount of rainfall occurring on a real-time basis.

Please select TRUE or FALSE above.

x Incorrect!

Correct! – This is FALSE

In fact, flood predictions require several types of data:

  • The amount of rainfall occurring on a real-time basis.
  • The rate of change in river stage on a real-time basis, which can help indicate the severity and immediacy of the threat.
  • Knowledge about the type of storm producing the moisture, such as duration, intensity and areal extent, which can be valuable for determining possible severity of the flooding.
  • Knowledge about the characteristics of a river’s drainage basin, such as soil-moisture conditions, ground temperature, snowpack, topography, vegetation cover, and impermeable land area, which can help to predict how extensive and damaging a flood might become.

The National Weather Service (an agency within NOAA) collects and interprets rainfall data throughout the United States and issues flood watches and warnings as appropriate. They use statistical models that incorporate USGS streamflow data to try to predict the results of expected storms.

The USGS maintains a network of streamflow-gaging stations throughout the country.

8.    The flood maps that FEMA produces covers all the nation’s waterways.

Please select TRUE or FALSE above.

x Incorrect!

Correct! – This is FALSE

A report by the Association of State Floodplain Managers states that the flood maps that FEMA produced cover only one-third of the nation’s 3.5 million miles of streams and 46% of shoreline.

9.    Flood risks do not stay fixed.

Please select TRUE or FALSE above.

Correct! – This is TRUE

Flood hazards change over time.  How water flows and drains can change due to new construction and community development or natural forces such as changing weather patterns or terrain changes. Also, communities may build levees and dams, decreasing flood risk over time.

If your risk changes from a high-risk flood area to a low- to moderate- risk area, you will likely qualify for the National Flood Insurance Program’s (NFIP’s) lower-cost Preferred Risk Policy (PRP) which provides flood insurance protection at a lower cost.

x Incorrect!

10.    Can I change my flood zone designation?

Please select YES or NO above.

Correct!

If you think your property has been incorrectly mapped in a high-risk area, you may submit a request to FEMA for a Letter of Map Change (LOMC).

x Incorrect!

Learn how to evaluate the risk of flood damage to your home, determine if your homeowners insurance covers flood or water damage and if you need flood insurance.

If you have questions about your flood risk or just want an expert assessment, call us at 800-596-1810 or use the contact form below to email us.

Author:   Optisure | Posted in Category: Current Events, Educational | Tags: Education, Personal, flood, flood insurance