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FEMA and other agencies provide flood maps to help homeowners understand their risk levels, many of these maps are outdated, leading to a false sense of security for people who live in areas not designated as high-risk.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Outdated Flood Maps and the Misleading Risk of Flooding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 Outdated flood maps may fail to reflect these climate driven impacts, leading many property owners to underestimate their exposure.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.
You’re ready to head home after a night out, but there’s one thing missing: your car. You could have sworn you parked it right here, but it’s no longer there. Vehicle theft can happen anytime, anywhere. When it comes to keeping your car safe, where you park can make all the difference.
Theft by the Numbers
A vehicle is stolen every 32 seconds, according to the National Insurance Crime Bureau. More than a million vehicles are reported stolen each year. California and Colorado have some of the highest number of auto thefts in the country, and of course, urban centers are hotspots for theft. However, thefts happen in the suburbs too, and cars can even be taken from your driveway. In honor of July, National Vehicle Theft Protection Month, we’re taking a look at what you need to know to keep your vehicle safe.
The Worst Places to Park Your Car
Thieves are looking for a chance to steal a car. Don’t give them the opportunity to steal yours. Before you park your car for a short time, or overnight, look around and assess the area for theft potential. Is the area well lit? Are other vehicles parked nearby? Are people around? Is there a security camera or guard? Are there signs of break-ins or damage? All of these can offer clues to an area’s safety.
Avoid empty streets.
Quiet streets and alleyways offer thieves a place to work without interruption. With no one around to witness the theft, they can get in and out quickly with your vehicle.
Avoid poorly lit areas.
Thieves prefer locations where they can work without being seen. Well-lit areas increase their chances of being noticed, while poorly lit and dark locations offer cover.
Avoid high-crime areas.
Do your research before parking in a new place. If the crime rate is high, it’s worth paying for a more secure parking option. High-crime areas aren’t just seedy sections of town. They could be residential neighborhoods that are targeted by thieves.
Avoid empty lots.
You may see lots of cars at office parking lots or at schools. However, when these buildings are not in session, the empty lots provide an easy place for thieves to work. Don’t be tempted to park in an empty lot and put your vehicle at risk.
Avoid remote locations.
Places that are less frequently traveled can be attractive for thieves. Chances are these locations are less often patrolled.
Avoid parking near large vehicles.
Parking your smaller car next to a larger vehicle automatically gives thieves cover. The truck or large car blocks the view so they can work without being easily seen.
How to Protect Your Vehicle
A skilled thief can steal a car in about a minute. However, there are things you can do to make your car seem harder to steal because it will take longer, or they are more likely to get caught.
When parking away from home:
Park in a garage with security cameras. Park in view of the cameras.
Be aware of tow truck thieves who come in and tow away your vehicle. When you park, turn your wheel as far to one side as possible. If you have front-wheel drive, park forwards in the spot. For rear wheel drive, back into the spot. This will make it harder to tow your car.
If you’re parking on the street, choose a busy road where there will be people and other cars the whole time your car will be there.
Lock your vehicle. The first thing that thieves do is try the doors.
Hide your valuables out of sight. Even loose change, phone chargers, and other items can tempt thieves to break in.
Don’t crack your window open on a hot day. An experienced thief can use that to get inside.
Don’t run your car with the keys in it – while you’re somewhere else.
Keep your registration and insurance in your wallet rather than your glove compartment. That will help prevent the risk of identity theft if your car is stolen.
Use an anti-theft system. New cars come with one, and you can also add one after market.
When parking at home:
If you can, park inside your home’s garage. Don’t leave the garage door open. Out of sight is out of mind, and thieves won’t try to steal a car they cannot see.
Add motion sensor lights to your home and driveway area.
Don’t leave your key fob in the car. Don’t put it near a door or window inside your home either. Thieves can use the signal to break into your vehicle. Consider keeping keys in a container that doesn’t allow digital signals to pass through.
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.
Congratulations to all of the recipients of the 2023 California Casualty Music & Arts Grants! Our field team had the opportunity to do in-person presentations to award all the very deserving recipients with a check for $250 to put towards supporting their schools’ music or arts program.
Local President Melissa Funk, recipient Mckenzie Pollano, and Dee Dee Templeton from California Casualty.
Tenaya Middle School
Music & Arts Grant recipient Nickie Seno and Chris Nieto from California Casualty
Adams City High School
Jason Malmberg – District 14 Classroom Teachers Association President, Brendan Parker – Recipient, Jolie Spence – California Casualty, and Chris Garcia – Principal
Stonecreek Junior High School
Chris Nieto from California Casualty and Music & Arts Grant recipient Kimberly Aguayo
Edith Teter Elementary School
California Casualty Music & Arts Grant recipient Kim Green
Topeka High School
Paula Reilly, Associate Principal; Dustin Dick, Principal; Josh Davis, Grant Recipient; Angela Neuroth, Topeka NEA President; Lindsay Buck, KNEA UniServ Director; Rebecca Stumpf, California Casualty
South Elementary School
Jolie Spence, California Casualty; Jessica Bush, recipient; and Kathey Ruybal, BEA President
Liberty Elementary School
Dee Dee Templeton from California Casualty and Music & Arts Grant recipient Stacy Ryan
Sabin Middle School
Daniel Carragher, Principal (it was pajama day); Megan Langdon and Jessica Medina, recipients; and Jolie Spence, California Casualty
West Putnam Elementary School
Patrisa Espinosa, principal at West Putnam Elementary, and recipient Stephanie Adegbenro
Woodglen Elementary School
Jolie Spence from California Casualty and Music & Arts Grant recipient, Devan Willis
Joli Ann Leichtag Elementary School
California Casualty Music and Arts Grant recipient Lindsey Sparacino
Joe Stefani Elementary School
Jessica Coronado, recipient of the California Casualty Music & Arts Grant
Ella B. Allen Elementary School
Chelice Gilman, California Casualty Music & Arts Grant recipient
Bear Creek K-8 School
Jolie Spence from California Casualty with Music & Arts Grant recipient, Angelina “Crow” Medina
Hugh J. Boyd Jr. Elementary School
Nancy Corsaro, recipient of the California Casualty Music & Arts Grant
Midway Elementary School
Mitzi Hull, recipient of a 2023 Music & Arts Grant from California Casualty
Cheldelin Middle School
Music & Arts Grant recipient, David Blake and Dee Dee Templeton from California Casualty
Koelsch Elementary
Lara Luthy, Boise Education Association president; Marci Greear, Music & Arts Grant recipient; and Layne McInelly, Idaho Education Association president
Owyhee Elementary
Lara Luthy, Boise Education Association president; Charles Diemart, Music & Arts Grant recipient; and Layne McInelly, Idaho Education Association president
Hillside Junior High
Lara Luthy, Boise Education Association president; Emily White, Music & Arts Grant recipient; and Layne McInelly, Idaho Education Association president
Miano Elementary School
Monique Mowad, recipient of a California Casualty Music & Arts Grant
Powell Middle School
Amanda Crosby, LEA President; Mindy Enley, recipient; and Jolie Spence, California Casualty
Diablo Vista Middle School
Chavonta Edington, Music Teacher Ben Loomer, Principal Jeffrey Osbom, and Angie Rajczyk from California Casualty
Olympic High School
Angie Rajczyk from California Casualty with Grant recipient Unjoo Chang, and Principal Courtney Lyou
Mark West Charter School
Angie Rayczyk from California Casualty with Music & Arts Grant recipient Lisa Chapman, and Principal Michelle Franci
Valley Verde Elementary School
California Casualty’s Angie Rajczyk with grant recipient Criag Yen, and Principal Mignon Perkins
Tynes Elementary School
Music & Arts Grant recipient Mary Stuckmeier, APLE President, Linda Manion and Principal, Tonya Gordillo
Barton Elementary School
Principal, Sandy Bartoldus, and Music & Arts Grant recipient, Rosa Guzman
Locke College Prep Academy
Music & Arts Grant recipient, Larry McDuffie with Principal, Peggy Gutierrez
Lindstrom Elementary School
Principal, Dr. Olga Rios, Jana Charles from California Casualty, and grant recipient, Lara Cummins
Madison Elementary School
AVP, Vivian Hanson, Santa Ana USD Trustee, Katelyn Brazer Aceves, Principal, Sara Marin, Grant Recipient, Maria Hollingsworth, (student aide, unknown) and President of SAEA, Sonta Garner-Marcelo
California Casualty has proudly worked with the Oregon Education Association (OEA) as their exclusive auto & home provider since 1974. Recently our Account Development Manager, DeeDee Templeton, made a visit to the OEA headquarters in Portland to meet with board members of the OEA Foundation to deliver a special contribution on behalf of the California Casualty Charitable Contributions Committee.
In attendance and pictured above (left to right): Stephen Siegel – OEA Region I Vice President, Jennifer Underhill -OEA District 2 Board Director, Forrest Cooper – OEA District 4 Board Director, Enrique Farrera – OEA Vice President, and DeeDee Templeton- California Casualty Account Development Manager.
The OEA Foundation provides educators with grants up to $100 to help students meet basic, urgent, and immediate needs so they can succeed in school. Over the past 28 years, the OEA Foundation has purchased countless pairs of eyeglasses, provided many students with their first warm winter coat, paid for dental work and doctor visits, fitted new shoes on lots of feet, and even replaced a broken bedroom window. The Foundation is completely funded through the generosity of our members and community partners, and 100% of funding is used to support Oregon’s students.
The California Casualty Charitable Contributions Committee values the great work of the OEA Foundation and is honored to be able to provide support to the education community. OEA Vice President, Enrique Farrera stated “The OEA Foundation and students from all over Oregon appreciate the collaboration of California Casualty and their financial support. Without their contribution we would not be able to help so many students.”
To learn more about the OEA Foundation and support this organization,visit here.
Congratulations to California Casualty’s Senior Business Analyst Greg Best on being selected as the 2023 Chairman of the Collision Industry Electronic Commerce Association (CIECA).
It takes a lot of companies working together to help keep vehicles safely on the road. CIECA is a nonprofit industry association created to develop a common language that enables members of the collision industry to communicate quickly and efficiently. CIECA exists to develop the Standards that member companies from all segments of the collision industry use to exchange information with their partners.
Use of the CIECA Standards enables insurers, like California Casualty, to help control costs as a business and service our customers more effectively in the event of a claim. For example, the highly-automated processes most insurers use to assign
vehicles to repair shops and to receive estimates and invoices are driven by CIECA Standards.
California Casualty is a Major Corporate Member of CIECA. And Best, who has been with us for almost 11 years, has held many positions within CIECA since his induction in 2014, including Secretary, Treasurer, and Vice Chair on the Executive Committee. Now as Chairman, he will be responsible for working with the Executive Director on overseeing the business operations of the Association and participating in various committees working with the standards.
“I am proud to serve as CIECA’s 2023 chair and have the opportunity to assist all of our partners on the journey through the development of our next-generation CIECA Open API Standards (CAPIS),” said Best. “I look forward to continuing the work of the executive committee and our members as we collaborate and evolve these Standards to meet the changing technological needs of the industry.”
These CIECA standards will continue to help California Casualty’s mission to provide the highest levels of service and care to our community heroes, by allowing a quicker integration with other members of the collision industry.
Congratulations to Greg on this superior achievement.
7.3 million families are living in poverty in the United States. For these families and individuals, the winter months are more expensive meaning they may not have the budget to buy winter coats for their children.
‘Coats for Kids’ was established in 2013 by the Professional Fire Fighters of Utah (PFFU) to combat one of the most fundamental hardships of childhood poverty- the absence of a warm winter coat.
In Utah, and many other communities across the country, the lack of a winter coat often results in frequent school absenteeism which translates to forgone learning, missed opportunities for socialization and play, and the loss of balanced nutrition provided through the school’s meal program. Helping students stay warm as they walk to and from school helps prevent illness and leads to increased attendance, allowing children of families in need to experience the critical childhood benefits their school has to offer.
For more than a decade, PFFU has watched the problem of childhood poverty creep mercilessly into the homes of the communities it serves. Poverty ravages families without discrimination – and by necessity those struggling to survive naturally prioritize food, heat, and rent above winter clothing.
Each year California Casualty partners with the PFFU to deliver winter coats to children in need in their area through PFFU’s ‘Costs for Kids’ program. There is no denying the joy of a child being zipped into their brand-new coat by their hometown heroes. And to date, we’ve donated over 2,500 coats in fourteen different elementary schools to children in need.
California Casualty Field Marketing Manager, Michelle Hawkins attended this year’s event at Mountain View Elementary School in Salt Lake City.
*Children’s faces have been blurred for privacy
“This was my first time attending Coats for Kids alongside members of PFFU.,” Said Michelle. “The care and cheer PFFU and Salt Lake City Fire Members brought to the students and staff of Mountain View was magical. This was a special group of people serving their community in a way that will impact those students’ lives forever.
Students at Mountain View in a variety of grades received a total of 300 coats to help them stay warm and safe during the winter months ahead.
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.
