07/27/2026
Many people assume Colorado does not need flood insurance because it's a landlocked state, but flooding is actually one of the most common natural disasters here! Even properties outside of high-risk flood zones can experience flood damage.
- Flash Flooding is Common.
Heavy rain, especially after wildfires or during summer thunderstorms can cause creeks and drainage systems to overflow within minutes.
- Burn Scars Increase Flood Risk.
While this does unfortunately apply to us, after a wildfire, the ground cannot effectively absorb water. Even a brief rainstorm can send mud, debris, and water rushing downhill, damaging homes you wouldn't think would be at risk.
- Snowmelt Can Cause Flooding.
Rapid warming in the Spring can lead to excessive runoff, often overflowing rivers and streams.
- Urban Flooding Happens.
In developed areas, pavement and storm drains can become overwhelmed during intense rainfall, which can cause streets, basements, and homes to flood.
- Standard Homeowner Policies Do Not Cover Flood Damage.
Most homeowner policies exclude damage caused from rising water, surface water, or mudflow associated with flooding. Without a seperate flood policy, homeowners are normally responsible for repair costs out-of-pocket.
- Flooding Can Happen Anywhere.
FEMA estimates that a significant number of flood insurance claims come from properties in low-to-moderate flood zones. A Home's location being outside a high-risk flood zone does not eliminate the poissibility of flooding.
- For Homeowners, A Flood Policy Can Help Pay For:
Structural Damage to the home.
Electrical plumbing and systems.
Furnaces, water heaters, and central air conditioning.
Flooring and built-in appliances.
Personal belongings.
- It Is Cheaper Than You Think!
For homes located in low-to-moderate flood designated areas, we have been seeing quotes as low at $300 for the year.
If you are interested or have any questions, please feel free to DM us or call us at 719-676-3900
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