5 Flood Safety Myths That Need to be Busted

Flood events — the nation’s most common and costly natural disasters — cause millions of dollars in damage every year, displacing families and disrupting communities across the country. During Hurricane Harvey, for example, flooding caused by more than 60 inches of rain contributed to a significant amount of the more than $125 billion in damages across Texas and the surrounding states. The worst part is, the Consumer Federation of America estimates that nearly 80% of Harvey victims did not have flood insurance.

Despite the dangers they pose, many home and property owners underestimate just how life-changing these events can be — especially those in low-moderate risk flood zones. At Wright Flood Insurance, our team is serious about flood safety, so we’ve pulled together five of the most common assumptions about flooding to help set the record straight and ensure you have the facts you need to stay safe.

What do you think, are these assumptions true or false? Get the answers below, then share them with other members of your community.

Myth #1 – Only those who live in tropical climates or along the coast are at high risk for flooding. Those who live inland don’t need to worry.


A recent study conducted by the University of Bristol found that flooding rivers put 41 million Americans (more than 3 times the current estimate) at risk. Rapidly rising river levels during and after a storm can cause  expensive damage to both infrastructure and personal property across the country.

Myth #2 – 100, 500, and 1000 year flood events happen only every 100, 500, 1000 years.


According to the USGS, “over the course of a 30-year mortgage, a house in a 100-year floodplain has a 26 percent chance of being inundated at least once.” Yet, many people honestly believe the labeled designation for a 100, 500, or 1000 year floodplain means a flood event “can only” happen every 100, 500 or 1000 years. The truth is, Mother Nature doesn’t read flood maps, and she certainly doesn’t limit herself to a flood event timeline:

  • In the last five years ALL 50 states have experienced flooding
  • From August 2015 to August 2016, there were eight “500-year” floods  
  • From 2010-2014 there were six “1,000-year” flood events  
  • In back to back years from 2015, 2016, and 2017 there were three 1000-year flood events in Houston alone

Myth #3 – Flash floods only happen where there are streams and rivers.


Flooding occurs in all 50 states and territories. In fact, floods in the U.S. kill more people than tornadoes, hurricanes or lightning. While most flash floods occur due to rapid rising in dry or flowing creeks, streams and river beds, stationary storms that occur one after another over a specific area can also lead to flash flooding. Other environmental conditions that increase the risk of flash flooding include:

  • Broken dams and levees  
  • Semi-arid and dry brittle desert regions that become almost impenetrable to water creating rapid moving runoff with debris flows
  • Aging sewage infrastructure that backs up and causes overland flooding in streets and highways
  • Mountainous terrain that funnels water into valleys
  • Heavy, rapid thunderstorms in swampy or naturally saturated low lying land  
  • Densely populated and/or largely developed communities lacking natural landscape where water can be absorbed

Myth #4 – A pickup or a large SUV can safely drive through flood water.


You should never attempt the drive through flowing flood waters, no matter how high they are. According to the NOAA, “More than 50% of all flood fatalities are vehicle-related.” In fact, it only takes 18 inches of water to sweep away a large vehicle. And it’s not just the risk of being swept away – flood waters could be covering damaged roads, dangerous debris, and more.

Myth #5 – There is only one way to know if a potential flood is a threat to you and your family – local news reporting and media.


In addition to local news, Wireless Emergency Advisories can make a huge difference in saving lives. While local news and media are subject to blackouts, these free mobile device-powered emergency updates do not require user sign-in or download and can deliver updates relative to a person’s location with ease. Get connected today with the FEMA App, available in the iTunes App store and Android App Marketplace.

Wright Flood Resource Center

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