Flooding is one of the costliest natural disasters in the United States, with the potential to impact millions of homes and communities. While FEMA and other agencies provide flood maps to help homeowners understand their risk levels, many of these maps are outdated, leading to a false sense of security for people who live in areas not designated as high-risk. Floods, however, aren’t limited to high-risk zones; even areas classified as low-risk are vulnerable under certain conditions. For these reasons, it’s vital to consider flood insurance no matter where you live.
Outdated Flood Maps and the Misleading Risk of Flooding
Flood maps are designed to inform residents and local authorities about the likelihood of flooding based on historical data, topography, and other factors. FEMA’s maps, for instance, divide areas into high, moderate, and low-risk zones, which guide flood insurance requirements and building regulations. However, some flood maps haven’t been updated for years and many don’t accurately reflect changes in land use, climate patterns, or new developments, which can significantly alter flood risks.
Changes to flood risks include:
Urban Expansion: As cities and towns expand, natural land is replaced with pavement and buildings, which leads to increased runoff and reduced soil absorption. Areas previously considered low risk might become more prone to flooding as water has fewer places to go.
Climate Change and Extreme Weather: Flood maps are based on historical data and often don’t account for the increasing frequency and intensity of extreme weather events that can result in both droughts and unprecedented rainstorms, often within the same year. In areas affected by wildfires where vegetation loss reduces soil stability, runoff increases. Outdated flood maps may fail to reflect these climate driven impacts, leading many property owners to underestimate their exposure.
Erosion and Infrastructure Changes: Natural factors like erosion, as well as human-made infrastructure changes, can impact flood patterns over time. Rivers shift, drainage systems get updated, and dams or levees are added or removed—all of which can alter the flow of water and increase the risk in areas thought to be safe.
The Risks of Flooding in “Low-Risk” Areas
Approximately 40% of flood insurance claims in the U.S. come from properties located outside designated high-risk flood zones. Many low-risk or moderate-risk areas are prone to what is known as “flash flooding” from sudden, heavy rainfall or overflowing drainage systems that cannot keep up. Recent flooding incidents in areas far from coastlines or rivers illustrate how floodwaters can impact anyone, anywhere.
Causes of flooding in low-risk areas include:
Heavy Rainfall: Even a few hours of intense rain can lead to flash flooding, especially in areas with inadequate drainage or impermeable surfaces like concrete. Low-risk flood zones can still see significant flooding from strong, localized storms.
Snow Melt and Frozen Ground: In colder climates, rapid snowmelt or rain on frozen ground can lead to significant runoff, overwhelming waterways and drainage systems even in low-risk flood areas.
Infrastructure Failures: Overflowing sewer systems, clogged drainage, or burst water mains can also lead to localized flooding, impacting areas that flood maps don’t highlight.
Because low-risk zones are not usually required to have flood insurance, many homeowners assume they’re safe. Unfortunately, without a flood-specific insurance policy, any flood damage may need to be covered out-of-pocket, which can lead to devastating financial loss.
Why Flood Insurance Is Essential, Even Outside High-Risk Areas
Given the limitations of flood maps and the growing risk of unexpected flooding, flood insurance is a wise investment for all homeowners. Standard homeowner insurance policies typically do not cover flood damage, so without flood insurance, homeowners face the full financial impact of repairs, replacement of belongings, and sometimes even temporary housing costs.
Here are several reasons to consider flood insurance regardless of risk classification:
Affordable Coverage in Low-Risk Areas: In areas considered low- to moderate-risk, flood insurance premiums are often lower than in high-risk zones. This makes it possible to secure essential coverage without significant cost.
Financial Protection: The cost of even minor flooding can add up quickly. Carpets, drywall, and flooring may need to be replaced, and waterlogged appliances or furniture might be beyond repair. Flood insurance helps cover these costs, sparing you from paying out of pocket.
Home Value and Mortgage Requirements: While most mortgage lenders don’t require flood insurance in low-risk areas, opting for coverage can help protect your home’s value by making it easier to get it back to pre-flood condition.
Adaptability to Climate Change: As weather patterns continue to change, so does the risk of flooding. Flood insurance ensures that you are protected no matter what nature brings, providing adaptable protection in an unpredictable environment.
Taking a Proactive Approach to Flood Protection
Beyond purchasing flood insurance, you can take steps to protect your property from potential flooding:
Upgrade Drainage Systems: Make sure gutters and downspouts are clear and well-maintained to help direct rainwater away from your home.
Install Sump Pumps or Flood Barriers: For homes with basements, sump pumps can be a lifesaver in the event of heavy rain. Flood barriers can also be installed around doors and windows for additional protection.
Regular Property Checks: Monitoring your property for pooling water and ensuring nearby storm drains are clear can help reduce localized flooding.
Outdated flood maps and assumptions about risk can lead to costly surprises for homeowners. While flood insurance may seem unnecessary in low-risk areas, recent floods across unexpected locations show that no one is entirely safe from flood risks. By securing flood insurance and taking proactive protective measures, you can shield your finances and assets from unforeseen disasters – and be prepared no matter what the flood maps say.
If you’re interested in learning more or getting a flood insurance quote, the California Casualty Agency Services team can help. Call 1.877.652.2638 or visit https://www.calcas.com/flood-insurance.
On National First Responders Day, we honor the brave men and women who selflessly rush into danger when others flee, putting their lives on the line to protect and save. Whether battling fires, responding to medical emergencies, or maintaining order in the face of chaos, first responders serve with unmatched courage and skill. In the spirit of gratitude and admiration, we’ve gathered inspirational quotes to celebrate their heroism and offer encouragement to those who work tirelessly to keep our communities safe. Let these words serve as a tribute to their bravery and a reminder of the unwavering dedication they show every day.
On Heroism
“I’ve always seen first responders as unsung heroes and very special people because, when everyone else is running away from danger, they run into it.”
– Dwayne Johnson, actor
“Real heroes don’t wear capes. Real superheroes wear uniforms and badges and stethoscopes! Real superheroes are members of our military, law enforcement, and first responders. Pretend superheroes wear capes.”
– Dean Cain, actor
“How important it is for us to recognize and celebrate our heroes and she‑roes!”
– Maya Angelou, poet
“Next to creating a life, the finest thing a man can do is save one.”
– Abraham Lincoln, 16th President of the United States
“The hero is the man who lets no obstacle prevent him from pursuing the values he has chosen.”
– Andrew Bernstein, American philosopher
“Courage is being scared to death but saddling up anyway.”
– John Wayne, actor
On EMTs
“Even if we’re not saving lives, what we do matters. It matters in ways unnoticed by us, to people you may not even remember tomorrow…EMTs are privileged to play in life’s great game. Too many unlucky people watch the action thunder by, stuck at a desk, or watching it on television at home.”
– Kelly Grayson, pep talk published in Ambulance Drive Files
“I didn’t become an EMT to get a front-row seat to other people’s tragedies. I did it because I knew the world was bleeding and so was I, and somewhere inside I knew the only way to stop my own bleeding was to learn how to stop someone else’s.”
– Daniel José Older, New York Times best-selling author who worked as an EMT earlier in his career
On Police Officers
“The police officer who puts their life on the line with no superpowers, no X-Ray vision, no super-strength, no ability to fly, and above all no invulnerability to bullets, reveals far greater virtue than Superman — who is only a mere superhero.”
– Eliezer Yudkowsky, American writer
“Being a good police officer is one of the most difficult, dangerous, idealistic jobs in the world.”
– Thomas Hauser, writer
“Many of the best parts of America’s history would have been impossible without police. All the freedoms we enjoy — freedom of speech, freedom of worship, freedom from fear — sit on a foundation of public safety.”
– William Bratton, former New York City Police Commissioner
“When a man becomes a fireman his greatest act of bravery has been accomplished. What he does after that is all in the line of work.”
– Edward F. Croker, former New York City Fire Department Chief
“I can think of no more stirring symbol of man’s humanity to man than a fire engine.”
– Kurt Vonnegut, author
“All men are created equal, then a few become firemen.”
– Anonymous
On Nurses
“Save one life, you’re a hero. Save 100 lives, you’re a nurse.”
– Anonymous
“Our job as nurses is to cushion the sorrow and celebrate the job, every day, while we are ‘just doing our jobs.’”
– Christine Belle
“Not all angels have wings…some have scrubs.”
– Anonymous
“Nurses—one of the few blessings of being ill.”
– Sara Moss-Wolfe
On Caring
“There is no higher honor than to be given the responsibility to care for another human being.”
– Richard K. Schachern
“For me, I am driven by two main philosophies: know more today about the world than I knew yesterday and lessen the suffering of others. You’d be surprised how far that gets you.”
– Neil deGrasse Tyson, American astrophysicist and writer
“Dare to reach out your hand into the darkness, to pull another hand into the light.”
– Norman B. Rice, former mayor of Seattle
“To know even one life has breathed easier because you have lived. This is to have succeeded.”
– Ralph Waldo Emerson, poet
“You make a living by what you get, but you make a life by what you give.”
– Anonymous
“The best way to find yourself is to lose yourself in the service of others.”
– Mahatma Gandhi, social activist
“What we have done for ourselves alone dies with us; what we have done for others and the world remains and is immortal.”
– Albert Pike, American author and poet
At California Casualty, it’s our policy to do more for the people who give more. Educators. Firefighters. Law Enforcement. Nurses. We have been protecting our Community Heroes with top-notch home and auto insurance for over 100 years.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
Turn your next drive with your kids into a meaningful moment. Whether it’s a quick trip to the store or a longer journey, being in the car together can spark conversation. It’s the perfect chance to connect and dive into the little things that matter most. With fewer distractions, the car becomes a place where stories flow, questions unfold, and you create memories that last beyond the ride. Here are some guidelines to get the conversation started.
Create an Inviting Atmosphere for Great Conversations
Ensure it’s easy to listen and be heard by keeping distractions to a minimum—turn down the radio and ask everyone to stow away devices.
Mix up the topics with a balance of fun and thoughtful discussions that match your child’s age and interests.
Keep the vibe upbeat and supportive—focus on connecting rather than correcting.
Engage by listening just as much as talking. Listening is the key to deepening your bond.
Encourage open dialogue by asking questions that spark more than a yes or no response.
If the conversation doesn’t flow right away, stay patient and keep the lines of communication open.
Creative Ways to Build Stronger Connections
Try any of these creative approaches to tap into topics that are meaningful to your child or teen.
Hobbies and Interests:
Whether your kids are into sports, art, reading, or something else, ask them about it. Your interest shows that their hobbies matter and helps boost their confidence. Inquire about the latest scrimmage, the book they’re reading, their favorite TV show or another beloved activity. You will want to show genuine curiosity and pose follow-up questions. Remember, your role isn’t just to guide, but to celebrate their unique interests and growth.
New Technology:
There are plenty of fun, new gadgets and apps that help us manage our world. Talk with your children about some of the latest tech. Then reveal what the world was like, before they were born, without this technology. Help them imagine what it was like with an engaging story or two. Ask them what new technology of the future should be invented. You never know how that might inspire them.
Current Events:
Talking about social media trends or other age-appropriate current events with your teens is an opportunity to teach them about the world and develop their critical thinking. Encourage them to share their thoughts and opinions, asking open-ended questions like, “How do you feel about what’s happening?” or “What do your friends think about this?” These discussions can help them process information, understand different perspectives, and build a sense of empathy and awareness. Create a safe space for them to ask questions or express concerns.
Role Plays:
Car rides can be the perfect time to role-play with your child and help them work through different problems in a relaxed setting. You can create scenarios based on challenges they may face, like dealing with a disagreement at school or preparing for a big test. By playing different roles, you can guide them to think through solutions, practice how to respond, and build confidence in handling tricky situations. It’s a great way to engage their problem-solving skills. Plus, the casual environment of the car makes it feel less pressured for both of you.
Fun and Silly:
For a lighthearted and engaging conversation with your kids, try mixing in some fun and silly questions. Ask them, “If you were an animal, what would you be?” or “What food could you eat every day for the rest of your life?” These boredom-busting questions can spark creativity and laughter. You might also ask, “If you could switch places with anyone in the world, who would it be?” or “If you could change your name, what would it be?” For an extra challenge, try speaking only in questions to keep the conversation flowing in unexpected ways. And when all else fails, throw in a dad—or mom—joke to lighten the mood!
Driving Safety:
Being in the car is a natural time to talk about vehicle safety. Again, keep the conversation age appropriate. If you have a teen, point out decisions that you make as you drive, and share safety tips such as how to safely pull over on the side of the road. Note the dangerous behaviors that you see from other drivers such as tailgating. Get them ready to focus on the road by asking them to navigate and tell you where you should turn. For younger passengers, point out road signs for stop, yield and crosswalks. Ask them what they notice when looking outside the window. Talk about why we wear seatbelts and what could happen if we forget. Teach them safety around vehicles.
Finally, you’re traveling with precious cargo when you transport your family. Make sure your car is well-maintained and protect it with the right car insurance. Safe travels.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
It’s nearly Halloween—and whether you’re transforming into a mischievous monster, a zany zombie, or a whimsical witch, you can be “trick-or-treat-ready” in no time. With a dash of creativity and simple supplies, here are some ideas for spook-tacular looks that bring all the Halloween fun without the fright of a big price tag!
Children’s Costumes
No-sew Dinosaur
Supplies: hooded sweatshirt, white and colored duct tape, scissors, ruler
First make the dinosaur teeth. Cut a 2-inch piece of white duct tape.
Fold both top corners to the center to form a triangle at the top. Leave the sticky strip along the bottom.
Press the exposed sticky strip to the inside edge of the hood.
Repeat and place each triangle next to each other until the hood is filled.
Next make the scales that go along the back. Cut a 5-inch piece of duct tape.
Fold the tape in half, leaving a half inch at either end that still has the sticky strip exposed. Cut a triangle shape in the non-sticky part. (See the video for a visual.)
Attach the triangle starting at the front center of the hood. Repeat in a straight line all the way down the back of the sweatshirt.
Bubble Bath
Supplies: white, clear and pink balloons, yellow duckie, white shirt and pants, white head band, rubber cement, safety pins
Blow up the balloons in various sizes.
Dress your child in the white shirt and pants.
Pin the balloons in clusters onto the outfit. (Put the pin through the latex below the knot.)
Pin some balloons to the headband.
Use rubber cement to attach the yellow duckie anywhere that you’d like.
Spelling Bee
Supplies: black shirt and leggings, yellow and black duct tape, bubble wrap, giant fluffy black pipe cleaners, headband, letters (felt or bulletin board letters in a contrasting color work well)
Apply lines of yellow duct tape in stripes on the shirt along the front. Then repeat along the back. (Pro tip: Really stretch the fabric out. There’s no stretch in the tape, and so if you go too narrow, it will be hard to get the shirt on and off.)
Cut the bubble wrap in two long oval shapes. Lay them on top of each other and pinch them in the middle. Tape that middle with the black duct tape.
Tape the wings to the back of the shirt.
Attach two pipe cleaners to the headband to form antennae. Bend them at the top so they curl.
For the final touch, affix the letters in random order all over the bee costume. You can even get creative and spell some words.
Teen/Adult Costumes
Bubble Tea
Supplies: black pom-poms, white felt, cardboard tube, solid color wrapping paper, a headband, a dress or long shirt you’ll be wearing, scissors and a hot glue gun
Glue the pom-poms to the bottom of your dress/shirt in a random fashion.
Cut strips of white felt and glue them along the bottom of the dress/shirt. This will help it to look more like a cup.
Next make your straw. This will go on your head. Cover the cardboard tube in wrapping paper.
Poke a hole through the bottom of the tube. Thread the headband through that hole.
Hot glue the headband in place. Bobby pin it to your head.
Magic Eight Ball
Supplies: black t-shirt and black pants, white and black felt, light blue cardstock, white paint marker, hot glue, headband
Cut out a large circle in white felt.
Cut out the number 8 in black felt that will fill your circle.
Glue the 8 to the white circle and then glue the circle to the center of your t-shirt.
Cut a triangle in blue cardstock. Write on it with a white paint maker, “Ask again later.”
Attach the cardstock to the headband. You will need to cut a strip of cardstock, fold it in half and glue one side down to the band and the other side to the triangle.
Going Batty
Supplies: black hoodie, black pants, an old black umbrella, pliers, wire cutters, safety pins, scissors, black electrical tape, black foam
Open the umbrella fully. Carefully remove the central metal structure with pliers and wire cutters so you are left with the fabric canopy and metal spokes.
Cut the umbrella fabric in half lengthwise, so you have two triangular wing shapes.
Use safety pins to attach each wing to your hoodie, so that the cut edge runs along the underside of your arms. This will give you the bat wing effect when you lift them.
Cut out ears from the black foam and attach them to the hood using electrical tape.
Couple Costumes
Mario and Luigi
Supplies: Overalls (or pants and suspenders), red and green shirts, red and green hats, black felt and elastic for mustaches (or eyeliner to draw your own), white gloves, yellow and white paper, red and green markers, tape, hot glue, hole punch
To make the signature “M” and “L” for the hats, cut out circles and draw the letters (L in green and M in red).
Tape the L to the green hat and the M to the red hat.
Cut out two circles to form the “buttons” at the top of the overalls. Attach with tape.
Cut out two identical mustache shapes for each person in black felt.
Cut a piece of elastic and place at each side of the mustache shapes in between them. Hot glue to secure.
Pencil and Notebook
Supplies: (For pencil) old cone-shaped party hat, tan and yellow card stock, black marker, glue stick, elastic, scissors, yellow dress/outfit, silver socks, pink shoes (For notebook) white t-shirt, red and blue fabric markers, yardstick
Glue the tan card stock over the party hat.
Cut a strip of the yellow card stock. Then cut a scalloped pattern along the top.
Glue the yellow card stock along the bottom of the hat.
Use the black marker to color the top tip so it looks like pencil lead.
If needed, add the elastic to the party hat.
For the notebook, use a yardstick to draw a vertical red line from the shoulder to the bottom of the t-shirt along the left side.
Then use the yardstick as a guide to draw horizontal blue lines about 1-2 inches apart.
Pair the white shirt with jeans.
Sushi and Soy Sauce
Supplies: pillow, orange pillowcase, white dress/outfit, green and black tulle, green shower loofah, green spray paint, foam batting, white fabric marker, hot glue, plastic headband, black outfit, black apron, printout of soy sauce logo, red beanie
Spray paint the foam batting green. When dry, cut it into long strips. These will be your cucumber sticks.
Put the pillowcase on the pillow. Use fabric marker to draw diagonal lines to mimic a piece of raw salmon.
Glue the loofah to the plastic headband. This is the wasabi. You can add some smaller cucumber sticks too if you’d like.
To assemble, wear the white dress/outfit. (You are the rice.) Attach the pillow to your back using the tulle. Tie it off to the side.
Tuck in some of the longer cucumber pieces.
For the soy sauce costume, affix the logo to the front of the apron.
Wear all black, the apron, and a red beanie for your cap.
Pet Costumes
Watch Dog
Supplies: plain t-shirt that fits your dog, peel-and-stick felt, printed watch faces, hot glue, black marker
Cut felt into strips to resemble a watch band.
Hot glue watch faces to the middle of the bands.
Stick the watch bands onto the t-shirt. Space them so that the faces don’t overlap.
Add black dots for the holes in the band.
Groovy Hippie
Supplies: child’s size tie-dyed t-shirt that will fit your dog, craft foam, hot glue, beads, round rim sunglasses, elastic
Cut out a peace sign in craft foam.
Hot glue it to the beads to create a necklace.
Dress your dog in the t-shirt. Tie it off with a knot in the side for a better fit and to ensure that your dog can go to the bathroom.
Place the peace sign beads around your dog’s neck. Adjust so it’s not too tight or too loose.
If your dog will tolerate it, finish the outfit off with a pair of sunglasses. Secure them with elastic tied to each side.
Rocket Dog
Supplies: 2 empty one-liter soda bottles, silver spray paint, yellow, orange and red tissue paper, silver duct tape, image of the NASA logo
Paint the bottles silver and allow to dry. (Pro tip: Hang the bottles by clip hangers on a low tree branch for easy painting.)
Duct tape the bottles together at the middle.
Create streams of tissue paper flames that come out of the openings. Duct tape to secure the flames.
Add the NASA logo or another outer space image of your choice.
Attach the rocket launchers to your dog’s harness using the duct tape.
Happy Halloween from all of us at California Casualty!
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
Picture a living room where soft throws, flickering candles, and calming neutral tones create a haven of warmth and relaxation. That’s the idea behind Hygge, the Danish art of coziness. Whether you’re unwinding with a cup of tea or enjoying a quiet moment, a hygge-inspired space wraps you in comfort and serenity. Ready to embrace the cozy life? Let’s explore how to turn your living room into the ultimate snug retreat.
What exactly is Hygge?
Hygge (pronounced hoo-ga) is a Norwegian word that means coziness. It’s a Danish concept characterized by simplicity that embodies a feeling of comfort and contentment. At its core, hygge is about slowing down and savoring moments that bring joy and relaxation, helping to create a sense of well-being and balance in everyday life.
Elements of Hygge Design
Hygge design is all about simplicity and functionality. Here are some easy ways to incorporate hygge elements into your living room.
Space
Hygge spaces are uncluttered, light and airy spaces with distinct areas.
Clutter is stressful. The first step is to declutter your room. This gives you the blank canvas to thoughtfully consider what belongs here.
If you’re ready for a painting project, paint your walls in a light earth tone such as white, off-white or cream.
Add sheer drapes or window coverings in shades of those same colors.
Plan out cozy places within the room to gather, such as a reading corner and conversation nook.
Furnishings
When considering your furniture, look for modern, minimalistic designs.
Draw inspiration from Scandinavian furniture with clean lines, rounded edges and tapered legs.
Avoid stiff furnishings. Instead choose a chair with overstuffed arms or super soft upholstery.
Blend old and new. You can incorporate vintage furniture next to modern.
Arrange seating for conversation and interaction, rather than around the television.
Less is more but make sure you have ample seating for everyone.
Calming Neutrals
The neutral color palette used in hygge design draws inspiration from nature.
Choose calming tones such as creams, grays and browns. Think of the colors that you find in natural shades of wood.
Select patterns with similar colors that will not disrupt the harmony.
Avoid bright pops of color. Instead, go deeper with earth tones.
Everything you add should create a peaceful atmosphere.
Tactile Textiles
A neutral palette allows the textures to really stand out.
Choose materials that invite you to touch them, such as fluffy pillows, thick knits, boucle blankets, and items made of linen, cashmere, and fuzzy mohair.
Add a deep pile area rug that invites your toes to sink in.
Layer your textures. Group together throws and cushions of different textures.
Pile blankets high in a wicker basket within easy reach of your seating area.
Soft Lighting
Lighting creates the right ambiance for relaxation.
Just as you layer fabrics, you can layer lighting. Choose an overall dimmer switch for full room lighting that can be adjusted to fit your mood. Then add pockets of lighting in areas within your space.
Use a floor lap or table lamp in your reading nook. Choose light bulbs with a warm color temperature. Lamps with frosted shades offer beautiful, filtered light.
Candles provide a flickering glow. Choose flameless varieties that are safe around kids and pets, for increased fire safety.
Twinkling lights give off a softer light than your overhead light. Choose tiny white or clear lights that work with hygge décor.
Natural Elements
Hygge is inspired by a connection to nature. Bring those natural elements inside.
Add potted plants, fresh or dried flowers, for some natural inspiration.
Incorporate organic materials like wood and stone in furniture and décor.
Consider wood floors, wooden bookcases and shiplap paneling on walls.
Display artwork depicting scenes in nature or using natural items or themes.
Décor
Hygge is about minimalism. You’ll want to keep your décor simple and meaningful.
Display your treasures—the things that are meaningful to you. That includes children’s artwork, DIY crafts and family photos.
Avoid overcrowding shelves and tables with knickknacks.
Less is more when it comes to décor. Start with a blank slate and add one or two pieces to create that cozy, welcoming feel.
Your home is one of your greatest investments. Make sure to protect it – and your valuables – with the right insurance.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
