When April showers are a deluge, flood insurance valued
“April showers bring May flowers,” as the saying goes. But it was no shower that hit Pensacola this week. It was a deluge. Some places in this Panhandle city reported 22 inches of rain within 24 hours.
Escambia County is in a state of emergency, and officials urged residents to be cautious as floodwaters were rising. Some roads are closed, and people are being asked not to drive around town. It may look like a few inches of water gently streaming over the roadway, but sometimes…there’s no road under the water. If you have comprehensive coverage on your auto, you are covered for flood damage.
If it rains where you live, it can rain really hard—and for hours and hours. Again, we have another vivid example about why flood insurance is important coverage to have.
Average monthly rainfall in Pensacola in April is about four inches. Can you imagine getting five or six times the monthly rainfall in one day? Imagine it. It happens. It happened this week.
There was a photo posted about the flooding that showed water inside a Pensacola home as high as the doorknob. That’s about 3 feet of water. Even a couple of inches of water can cause major damage. Here’s hoping those homeowners had flood insurance.
If you’re curious about how many people in your county have flood insurance, here’s a math project for you. Locate your county’s number of flood policies from the FEMA website, then look at the housing data from the Florida Housing Data Clearinghouse. The housing data section has a chart headed “Year Structure Built,” and you’ll want that total number. In Pensacola, about 14 percent of homeowners have a flood insurance policy. Sounds rather low, maybe?
Yes, Florida has more flood insurance policies than any other state. We don’t have the highest annual precipitation; Hawaii does, ahead of us by 9 inches.A drop in the bucket, one that can be filled in a matter of hours.