DEFINITION: A flood is a general and temporary condition of partial or complete inundation of normally dry land areas from :(1) The overflow of inland or tidal waters; or (2) The unusual and rapid accumulation or runoff of surface waters from any source. A flood inundates the floodplain. Most floods fall into three major categories: riverine flooding, coastal flooding, and shallow flooding. 

HISTORY AND SCOPE: Flooding along the Pacific Coast in Del Norte is often associated with the simultaneous occurrence of very high tides, large waves, and storm swells during the winter. Riverine flooding is generally limited to the Smith River, Klamath River, and Elk Creek. Memorable, major past events include the December 1955 Flood Event, the December 1964 Flood Event,   

Click on the red button to get to know your zone. Look on the maps to find where you live, and work. Are you in the zone or out? If your home or business is in the flood zone make sure you have appropriate flood insurance.  

Click on the red button to see insurance planning. Floods can happen anywhere — just one inch of floodwater can cause up to $25,000 in damage. Most homeowners insurance does not cover flood damage. Flood insurance is a separate policy that can cover buildings, the contents in a building, or both, so it is important to protect your most important financial assets — your home, your business, your possessions.  

Click on the red button to get help. Americans at all income levels have experienced the challenges of rebuilding their lives after a disaster or other emergency. In these stressful times, having access to personal financial, insurance, medical and other records is crucial for starting the recovery process quickly and efficiently.