One flood can wipe out tens of thousands of dollars of your personal property and damage your house beyond repair. When you try to find a home to purchase, a major consideration of whether you purchase it will be its location. A home located in a flood zone may mean higher home insurance rates and a greater chance of flood damage. Plan your home purchase carefully to ensure that you don’t buy a house that can wind up costing you nearly as much in flood damage costs as it didn’t originally buy.
Emergency Management Australia notes that flooding along rivers after a heavy rain is the most common kind of flooding in the nation in its own”Floods: Warnings, Preparedness and Safety” brochure. Urban areas are also very susceptible to flooding from an overflow of drainage systems. This can be a specific problem in densely populated cities. Inland rivers might have flooding that last for weeks or even months at a time. This can lead to damage not only to homes and businesses, but also result in loss of falls, livestock, roads and rail lines.
Mountain head water areas of large rivers and rivers that drain into the coast often see quick onset flooding. This type of flooding doesn’t allow much time to prepare for evacuation and preventative action to save property. Flash floods occur when short, heavy rain storms happen. These kinds of floods happen all over Australia, and they’re the most dangerous. People lose their lives when they enter flood waters in vehicles or on foot. Flash floods are especially upsetting in urban areas where drainage systems can’t keep up with the quantity of water. Flash floods also occur in rural places with terrain prone to flash flooding and steep streams.
One of the most devastating risks of living in flood zones is loss of life. People can easily be swept away by powerful flood currents as rivers overflow their banks. Entire communities may lose many men and women, which makes the physical damage from storms, breakage of dams and overflowing rivers seem as nothing.
Water levels rise quickly when floods occur. You may not have time to move furniture as well as smaller personal belongings to higher ground when a flood occurs. Appliances, furniture, carpeting, walls, plumbing and electrical systems call all be wiped out in a few minutes of flooding. Pictures, significant documents, electronic equipment, computers, clothes and kitchen items are also frequently lost in floods. The items which recall memories and family are irreplaceable. Floods can destroy them all.
Homes with flood damage which are not properly rebuilt can cause health hazards for their occupants. Mould can grow in walls and cause severe respiratory illnesses. This is particularly hard on children and older adults. Anyone who is prone to illness can become very sick from living in a home with water in the walls. Even healthy individuals become ill living in a house with flood damage. Without flood insurance to properly rebuild a home, homeowners may reside in a house that’s unsafe structurally and health-wise.
Higher monthly premiums are due to the additional cost of insuring a house that is more likely to be destroyed or damaged by flooding than a home that isn’t located in a flood zone. However, without flood insurance built into your house insurance policy, you can face rebuilding with no money with which to start over.
Major flooding happens about every ten years at the South-East Queensland region. About 35 percent of buildings in Australia that are at risk of flooding are in Queensland, and 21 percent of these are in the South-East Queensland region. Although the statistic is older, it’s telling of the devastation flooding can cause when you read that a 1998 study found that the price of urban flooding damage in only Queensland was $100 million each year. With figures like this for an entire area, the costs annually in personal property damage can wipe a family’s savings out and put them in debt for years.
How can you minimise the risk?
To avoid property damage and loss of life when flooding occurs, purchase flood insurance. Try to obtain a house that’s not located in a flood zone in the first place. Stay tuned to radio, television and internet weather reports in the event of possible flooding. Also, evacuate as quickly as possible if you discover yourself in a flooding situation. With prevention and preparation, you can minimize and possibly avoid the high costs of flood damage to your home.