Mudflows Covered by NFIP

Another reason to have a flood insurance policy. A report from the U.S. Geological Survey warns that rainstorms this year in the area hit by the recent Station Fire in Southern California have the potential to trigger mudflows. The USGS said conditions in many of the areas burned by the fire indicated high probabilities of producing large mud and debris flows that may impact neighborhoods at the base of the San Gabriel Mountains as well as areas in Big Tujunga Canyon, Pacoima Canyon, Arroyo Seco, West Fork of the San Gabriel River and Devils Canyon. USGS warned that some rainstorms could generate debris flows of up to 100,000 cubic yards of material – large enough to fill approximately a football field 60 feet deep with mud and rock. Standard homeowners, renters and business insurance policies do not cover flood, mudslide and mudflow damage. However, damage from a mudflow (a river of liquid and flowing mud on the surfaces of normally dry land areas) is covered under a flood insurance policy available from the National Flood Insurance Program (NFIP). Note: other earth movements, such as landslide, slope failure, or a saturated soil mass moving by liquidity down a slope, are not considered mudflows by the NFIP. Check out I.I.I. info on flood insurance.

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