Each season brings unique water damage threats. Know what to prepare for — and what to do after — with our state-specific guides.
The Atlantic hurricane season (June 1 – November 30) brings storm surge, wind-driven rain, and catastrophic flooding to coastal and inland communities across 13+ states. This guide covers everything from pre-season preparation to post-storm restoration.
Winter freeze events cause burst pipes, ice dam roof damage, and frozen water meter failures that collectively cause over $1 billion in claims annually. Texas, Colorado, Illinois, Tennessee, Washington, and New York are highest-risk states for freeze-related water damage.
Spring brings the highest flood risk of the year for inland communities as winter snowpack melts, spring rains arrive, and the ground remains frozen or saturated. Illinois, Tennessee, Louisiana, Texas, New York, and Washington face the highest spring flood risk.
The North American Monsoon (June 15 – September 30) brings 50–70% of Arizona's annual rainfall in intense, unpredictable thunderstorm bursts. Flash flooding, haboobs, and lightning strike fires followed by water damage are the primary risks for Phoenix, Tucson, and Scottsdale homeowners.
