This post is brought to you in partnership with Charlotte-Mecklenburg Storm Water Services. All opinions are our own.
Hurricane season is brewing in the Charlotte area. The main period for hurricane development occurs in just a few short weeks, from the middle of August through the end of September, with Sept. 10 historically being pinpointed as the top day for hurricane development. Charlotteans can stay on top of their flood-related risks by visiting the Charlotte-Mecklenburg Storm Water Services website.
Historical flooding risks
The greatest danger from tropical weather systems in the Charlotte-Mecklenburg area is typically flooding. Hurricane Florence, which was a major rain creator for both North and South Carolina in 2018, dropped as much as 38 inches of rain in the eastern part of the state and as much as 11 inches in Mecklenburg County. Hurricane Hugo in 1989 was a big wind producer and produced very little flooding. Typically, it’s the slow-moving, weaker tropical systems that are responsible for Charlotte-area flooding.
Tropical storms vs. hurricanes
Some Charlotteans may not be aware that tropical storms or tropical depressions frequently instigate broader flooding than a hurricane. A textbook example of this is Tropical Storm Fay, which occurred in 2008. Fay released approximately 11 inches of rain on the Charlotte-Mecklenburg area, which initiated widespread flooding and damage.
Are you in a flood zone?
Knowing if your home is positioned in a flood plain can greatly assist you in identifying your flood risk. Check out the Charlotte-Mecklenburg Storm Water Services website. On the website select 3D Floodzone Maps and enter your address to find out your home’s flood plain status.
What about insurance?
Most insurance plans usually require a 30-day waiting period between when a plan is purchased to when it goes into effect. It could be a suitable idea to purchase insurance plan now, because if it is purchased to far into hurricane season it may not help you out at all.
Take action by checking with your insurance company. If you own a home, your mortgage lender may mandate you to purchase flood insurance, but a standard renter’s insurance policy does not cover flooding, so flood insurance must be purchased separately.
Not in a flood plain?
Flood insurance is not solely for those with houses located within a flood plain. Interestingly enough, 25% of flood claims in the Charlotte- Mecklenburg area are actually outside of the flood plain. Flood insurance is for everyone.
Want to learn more about Charlotte-Mecklenburg Storm Water Services? Click here for more information.