If you live in a flood-prone area and do not already have flood insurance, now is the time to get it. Homeowner and commercial insurance policies typically do not cover flood damage.
Third straight La Niña means a soggy winter
La Niña is when sea surface temperatures in the Eastern Pacific Ocean tropical waters – waters west of Peru – are cooler than normal. In contrast, waters in the Western Pacific are warmer than average. These tropical water conditions cause the North Pacific storm track to create more precipitation in British Columbia and the Pacific Northwest. La Niña winters tend to be cooler and wetter than average, and the past two winters have been just that.
Federal law requires homeowners and businesses with federally backed mortgages in high-risk flood-prone areas to purchase insurance. However, many choose not to do so or drop their policy after a few years, which has been the trend in recent years.
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