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The truth about 100-year floods

When clients are looking at flood insurance, here's a way to explain what the '100-year flood' means.

By Christine G. Barlow, CPCU | Updated on October 03, 2017
A teenager rides a Paddle Board in the flooded streets of Houston on Aug. 27, 2017, in the aftermath of Hurricane Harvey. (Photo: Shutterstock)

Whenever a strong hurricane or storm causes significant flooding, there is often talk of a 100-year flood.

When people hear this term they think a flood of that magnitude occurs once every hundred years, so they should be safe from harm for the next hundred years. Unfortunately, some base their decision to buy flood insurance on this false belief, putting them at risk of a catastrophic loss.

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