Overview
Regardless of whether a lake, river or ocean is actually in view, everyone is at some risk of flooding. Flash floods, tropical storms, increased urbanization and the failing of infrastructure such as dams and levees all play a part — and cause millions (sometimes billions) of dollars in damage across the U.S. each year.

Even in 2016, a year before Hurricane Harvey broke records as one of the costliest disasters in U.S. history, the National Flood Insurance Program paid nearly $3.6 billion in flood insurance claims, primarily to those in Texas and Louisiana.
Flooding is our nation’s most common natural disaster. The Pew Charitable Trusts found that, over the past decade, flood-related events accounted for more than seven out of 10 presidential disaster declarations. Floods are also one of the leading causes of fatalities from natural disasters in the United States. About 100 flood-related deaths are reported each year, with more than half of them involving vehicles, such as drivers attempting to traverse water that is too deep.
Internationally, floods in already fragile environments can lead to a variety of issues. For example, displaced persons can find overcrowding, safety issues and sanitation challenges in camps. Long-standing stagnant water and dead animals in the streets can affect water, sanitation and hygiene (WASH), while also increasing the spread of disease. And, loss of crops can have widespread impact in areas already challenged by food insecurity. In many ways, technological advances and early warning systems have helped mitigate damage. But as urbanization expands—increasing structures and population in floodplains, reducing the amount of soil available for absorbing extra water—floods will continue to grow in size and frequency.
Insurance is available for those in the United States—mandated for those in high-risk areas—but gaps remain between payouts and actual costs. In addition, more can be done in the areas of prevention by helping flooded communities build back better and by continuing to research and implement new strategies domestically and internationally related to sustainability, drainage, growth and infrastructure.
Key Facts
- The danger of floods expands beyond those in high-risk coastal areas. Tropical storms, for example, can dump heavy rains hundreds of miles inland, as seen with recent hurricanes. According to the National Flood Insurance Program, more than one in five flood insurance claims come from areas not considered high risk. A high-risk area has a 25 percent chance of flooding at least once during a 30-year period. Research by The Pew Charitable Trusts’ flood-prepared communities initiative found that eight of the 10 states that experienced the most flood-related disaster declarations over the past decade were landlocked.
- Flooding conditions are heavily affected by the existing state of the ground. Snowmelt, for example, can cause flooding when the ground is too frozen to absorb water. Difficulties with absorption also follow drought, often leading to flash flooding because of over-parched ground and debris in drainage systems.
- The National Flood Insurance Program (NFIP), is constantly undergoing change. Established by the U.S. Congress in 1968, the NFIP enables property owners and renters to purchase insurance from the government against future flood damage. It was meant to be self-sustaining, however, funds were more than depleted following Hurricanes Katrina and Rita in 2005. FEMA recently removed a “no-compete” clause for private insurers who offered government-backed coverage. The clause prevented the private companies from offering their own flood insurance, creating a monopoly for the NFIP.
- Aging infrastructure—and increased development downstream of dams—is a concern. There are more than 90,000 dams across the country—and the average age is 56 years old, according to the American Society of Civil Engineers. If a dam fails, everyone in its path can be at risk.
- Urban development increases the size and frequency of floods. According to the U.S. Geological Survey, construction and new development affect natural drainage. In addition, population growth near dams and levees can mean higher rates of injuries should a problem occur.
How to Help
- Fund awareness for prevention and mitigation. Initiatives might include homeowners preparing simple kits to have on hand in case of evacuation, outlining evacuation routes and spreading information about the dangers of driving in flooded waters.
- Help fill gaps between insurance payouts and actual costs for those in affected communities. Most homeowner’s insurance doesn’t cover against flooding and flood insurance may not cover all costs incurred.
- Support nongovernmental organizations (NGOs) already working in disaster-affected communities. Whether nationally or internationally, seek out the organizations with long-standing relationships in place. Also look for those who understand unique cultural, geographical and operational differences.
- Fund remediation of mold in disaster-affected areas. Mold continues to be a widespread concern even years after a flood.
- Support and implement the findings of relevant studies on climate change and on the effects of urbanization on flooding. Mitigating damage in the future will likely take a bigger-picture approach.
- Help provide case managers and conveners for community meetings interested in building back better. Confusion and disagreements can exist among those deciding whether to return flood damaged areas to “the way they were” prior to the event.
- Supply evacuation “go kits” for vulnerable populations. These kits might include, batteries, hand-crank weather radios, flashlights, personal hygiene items, first aid supplies, a three-day supply of food and water, clothes, rain gear, and other useful supplies.
What Funders Are Doing
- In 2017, the Skoll Foundation provided Medic Mobile, Inc. a grant of $15,000 to assist relief efforts for communities affected by flooding in Nepal.
- TD Charitable Foundation provided the Housing Authority of the City of Norwalk, Connecticut a $125,000 grant in 2017 to develop new mixed income housing to replace public housing apartments that were severely damaged in Hurricane Sandy.
- The Community Foundation for Surrey gave the Bramley Parish Council Resilience Group a grant of $5,963 in 2017 to provide safety equipment, waterproof clothing and generators to help Bramley residents and volunteers cope safely with any future flooding threats by building resilience.
- In 2017, the Global Fund for Women gave Centro Para el Desarrollo Urbano y Rural (CEPDUR) a $10,000 grant to provide food, medicine and construction materials to victims of the flooding in Peru. CEPDUR will also provide medical and psychological attention to flood victims in camps.
Learn More
- The Pew Charitable Trusts: Flood-Prepared Communities project
- National Flood Insurance Program (NFIP)
- Effects of Urban Development on Floods, U.S. Geological Survey
- Learn about lessons for Sri Lanka from New Orleans.
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