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town floodedDo you need flood insurance during the winter months? If you live in a warm climate, you are probably saying "of course!" But if you live in a cold climate where you have snow instead of rain, you might be saying "no."

According to the National Flood Insurance Program, every region of the United States is at risk for winter flooding. How can this happen in the colder climates?

When it's cold, the creeks and rivers tend to freeze on the surface. This slows the water down and that causes more ice to form. We all know that during the cold months, there might be an occasional warm day or two. If the ice starts to melt and the water starts to rise, then the ice breaks up into chunks and can cause ice jams. These jams act like a dam, the water backs up and areas can become flooded.

While it might not be raining, it is probably snowing. That snow will eventually melt, and many times that is mid-winter. The ground is frozen, so it won't be absorbing much of the water, and the water has to go somewhere. That melting snow can cause creeks and rivers to rise, and can even cause a winter flash flood condition where the water rushes over the frozen ground into houses.

Floods are not easy to deal with, but a winter flood while it's cold? Make sure you have flood insurance and that it covers these possibilities. Talk with your independent insurance agent and protect your house and belongings with insurance that will help with clean up, will provide you a place to stay during the process and will rebuild/repair what was damaged.

We've got you covered. Call Auto Insurers of Virginia at (804) 379-2697 for more information on Midlothian flood insurance.
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