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El Niño May Increase Flood Risk in California

Flood Insurance Protects California Homeowners from Financial Disaster.

Most, if not all, Standard Homeowner's Policies DO NOT cover flood damage.

The news is dominated by reports of El Niño, a periodic weather phenomenon caused by rising temperatures in the Pacific Ocean. El Niño is expected to bring heavy rains to California, with some scientists suggesting it may be the strongest El Niño ever recorded.

Many homeowners in Southern California are concerned that El Niño could bring damaging rains to the region. Proactive homeowners are taking steps now to protect their homes from heavy rains such as repairing roofs, fixing rain gutters and trimming large trees, which can topple from heavy rain.

While most homeowners understand the risk of damage to their homes from heavy rains, some may not realize the increased risk of damage from floods. The financial impact of flooding can be disastrous if a homeowner is not propery insured.

It is recommended that homeowner’s take several steps to prepare themselves in the event flooding occurs:

  1. Review your homeowner’s insurance policy to determine what is, and is not, covered.
  2. Create a flood plan with evacuation routes and store it in a waterproof location.
  3. Itemize and take photos of your belongings.
  4. Visit to learn how to prepare for floods.
  5. Purchase a flood insurance policy.

The time to act is now, flood policies require 30 days to take effect.

Take steps now to protect your home, and your finances

Contact Armor Insurance for a homeowner's insurance coverage review to make sure you have adequate insurance coverage protection for your home and belongings, and to get a quote for Flood Insurance.


Scientists Express El Niño Concerns

Bill Patzert, a climatologist with NASA’s Jet Propulsion Laboratory, recently told the Los Angeles Times “This definitely has the potential of being the Godzilla El Niño”.

The National Weather Service is predicting an increase of rainfall in California that is 40-60% greater than average, with Southern California being particularly vulnerable.

Thanks to the availability of Flood Insurance, El Niño does not have to spell financial disaster for California homeowners.

Flood Insurance Protection

FEMA (Federal Emergency Management Agency) is urging Californians to obtain Flood Insurance as soon as possible to make sure they are financially protected from flood damage, which is generally not covered under a standard homeowner’s insurance policy.