The flooding that has recently occurred in numerous communities throughout several provinces in Canada is a stark reminder of how devastating the damage can be. Our thoughts and hearts go out to everyone impacted by the floods.

The conservation authority wants to take this opportunity to remind residents that flooding can happen to anyone. It’s important to know that you can take steps now to protect yourself and hopefully minimize the risk of flooding and/or be prepared in case it does happen to you.

Find out what your insurance covers

Call your insurance company today and find out what kind of flood insurance coverage you have (or don’t!). There are two types of flooding for which you may or may not have insurance.

Overland flooding occurs when water comes into the home from “over land”, through windows and doors, as in the case when rivers and lakes spill over their banks. Insurance for overland flooding has only been available in Canada since 2015.

Sewer back up happens when water and sewer infrastructure becomes overloaded (as in the case of massive storms that occur abruptly) and backs up into homes, generally destroying basements. According to the Insurance Bureau of Canada, the average repair costs for a flooded basement are $43,000.

Talk with your local government

Call or visit your local municipality’s website to find out about any programs they offer to help with reducing the chance of basement flooding. Sometimes municipalities offer rebate programs to help with the costs associated with things such as installing backwater valves.

Talk with the conservation authority

Do you know if you live in or near a flood zone? LSRCA has maps that you can view online anytime. They show areas that lie within its regulations, which include flood zones. You can view the maps here at: Remember, being in a regulated area doesn’t necessarily mean you’re in a flood zone. It could be regulated for a number of reasons and only qualified staff at LSRCA can understand our maps in enough detail to know the reason for the regulation.

Being prepared for flooding key: conservation authority
  1. Find out what your insurance covers.
  2. Talk with your local government.
  3. Talk with the conservation authority.
  4. Take your own steps to protect your home from basement flooding.
  5. Climate change is real.

Storms are only anticipated to get worse, not better. The weather of the past is not a predictor of the weather of the future, so taking some pre-emptive steps now, even if you don’t think you’re at risk, just might save you trouble down the road.

More flood protection resources can be found online. Visit our website at:

The mission of the Lake Simcoe Region Conservation Authority is to work with our community to protect and restore the Lake Simcoe watershed by leading research, policy and action.

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