Recently, heavy rainfall flooded the streets and storefronts along Miami Beach. If you live in the South Florida area—or for that matter in any coastal area—this type of flooding is not uncommon, and as hurricane season continues is likely to become more frequent. 

Even in areas with higher elevation, properties could face damage due to saturation and storm surges. 

What could happen if your flood risk is ignored?

For one, electrical systems or equipment could be damaged, which, in addition to high cost of repair or replacement could present a potentially dangerous situation for your family and pets.

Repairs could be costly.

FEMA estimates that over the past decade, the average flood claim in the United States has been more than $46,000 with yearly totals averaging $3.5 billion per year.

Even for mild flooding events, flood-related humidity can cause structural damage.

Signs that your property may be at risk for damage from high humidity include:  

  • Condensation droplets on your floor, walls, and pipes
  • Wall cracks
  • Smell of mold and mildew
  • Discoloration and rot on your floor, rug, columns, and walls.
  • Rust, mold, and rot on surfaces.
  • Clay silt and efflorescence (white powdery substance) on floor boards and wall corners.

Luckily, there are several cost-effective steps you can take to make your property safe from flooding. The first step would be to know your flood score so you can focus your adaptation actions more precisely and don’t end up spending more than you need, or too little to give you adequate protection.

The more you know the more you can prepare.

By visiting, you can obtain a detailed report outlining your risk of flooding, down to the parcel level over the next 30 years. These reports can help you in deciding to make adaptations to your properties now that could save you thousands (or millions depending on your property) in the future.

We have also outlined a list of measures you can take if your property gets a high flood score at: What if my Property Gets a High Flood Score?  These include elevating electrical systems, modifying water and sewer valves and opting for flood control products.

We wish you a safe and dry hurricane season.