
New England’s Spring Showers: Flood Insurance Awareness
Spring in New England brings blooming flowers, warmer days, and unfortunately, increased rainfall. While we relish the vibrant greenery and the end of winter’s chill, it’s crucial to remember that spring showers can lead to significant flooding, impacting homes and communities across the region. Many residents, even those outside traditionally designated high-risk flood zones, are unaware of their vulnerability. This blog post aims to raise awareness and provide essential information about flood insurance.

Understanding Flood Risk in New England
New England’s diverse landscape, featuring rivers, coastal areas, and low-lying regions, makes it susceptible to various types of flooding. Heavy spring rains, combined with snowmelt and potential coastal storms, can quickly overwhelm drainage systems and waterways. The misconception that only coastal areas or those within FEMA’s designated floodplains are at risk is a dangerous one. Inland areas can experience significant flooding due to overflowing rivers, flash floods, and saturated ground.
In New Hampshire, for instance, several notable floods have occurred within the last decade, highlighting the region’s vulnerability:
- 2023 July Flooding: Heavy rainfall across the state caused significant flash flooding. Roads were washed out, and basements flooded.
- 2020 Mother’s Day Flooding: Heavy rains caused several rivers to overflow, and caused road closures, and property damage.
- 2014 April Flooding: Significant flooding occurred in multiple areas of the state due to heavy rainfall and snowmelt.
These events serve as stark reminders that flood risk is a reality for all New England residents, regardless of their location.
Homeowners: Protect Your Investment
Many homeowners mistakenly believe their standard homeowners insurance policy covers flood damage. However, this is not the case. Standard homeowners insurance typically covers damage from events like fire, wind, and theft, but it explicitly excludes flood damage.

The Difference Between Standard Homeowners and Flood Insurance
- Standard Homeowners Insurance: Protects against perils such as fire, theft, windstorms, and certain water damage (e.g., burst pipes).
- Flood Insurance: Specifically covers damage caused by rising water from rivers, streams, coastal areas, and heavy rainfall. This includes damage to your home’s structure and contents.
Why Flood Insurance is Essential
- Financial Protection: Flood damage can be devastating, resulting in significant repair and replacement costs. Flood insurance provides the necessary financial protection to rebuild and recover.
- Peace of Mind: Knowing you’re protected against flood damage offers peace of mind, especially during New England’s unpredictable spring weather.
- Availability: Flood insurance is available through the National Flood Insurance Program (NFIP) and private insurers.
Explore Flood Insurance Quotes with Slawsby Insurance
We strongly encourage homeowners to explore flood insurance options to ensure adequate protection. Slawsby Insurance can help you navigate the complexities of flood insurance and find a policy that meets your needs. We can help you understand your flood risk and provide you with competitive quotes.
Don’t wait until it’s too late. Take the proactive step to protect your home and belongings. Contact us today to learn more about flood insurance and request a quote.

New England’s spring showers are a reminder of the region’s vulnerability to flooding. By understanding the risks and taking the necessary precautions, homeowners can protect their investments and ensure their peace of mind. Don’t let spring showers catch you off guard – explore your flood insurance options today. Contact us for more information!