Our thoughts and prayers are with the people of Columbia, Charleston and all the communities affected by this weekend's torrential rains associated with hurricane Joaquin. Looking at the images of the devastating flood waters in South Carolina one can not help but question when such damaging weather will once again be heading our way.
Statistically, Boston averages nearly 6 hurricanes every century with at least one of them likely to be considered a "major" hurricane (category 3 or greater). Providence, RI typically suffers 10 hurricanes per century and almost 3 of those are expected to be category 3 storms or greater. Over the past several years, the New England coast has been spared a direct hit. Experts say that is likely to change over the coming years.
However, as we have seen in the Carolina's, a direct hit isn't necessary to cause devastating damage. While many people associate flooding with coastal communities it is interesting to note that Columbia SC is located 114 miles inland from Charleston, SC, a well known coastal town. That is almost the same distance from Boston to Tanglewood in Lenox, MA!
While none of us know when the next destructive storm will hit, we can take precautions to be as ready as we can be when that day comes. Creating a disaster plan is crucial. As part of that process, make sure you take the time to review your current insurance coverage and consider flood insurance since standard home insurance policies do not cover losses caused by flood.