How to Prepare for Flood Season in Canada 

Spring weather in Canada can be unpredictable—sunny one day, pouring the next. Across much of the country, flood season peaks between April and June, often catching homeowners off guard. Flooding is Canada’s most common and costly natural disaster, yet many households remain underprepared. In this guide, we’ll share simple, actionable steps to help you protect your home, family, and finances this flood season.

Why flooding is a growing concern in Canada

Flooding is becoming more frequent, severe, and widespread across Canada—and the reasons go beyond just heavy rain. Climate change, rapid urban development, and earlier snowmelt cycles are all contributing to rising flood risks. For example, British Columbia has faced devastating damage from atmospheric rivers, while Manitoba’s Red River Valley continues to battle regular spring flooding tied to snowmelt.

According to the Canadian Climate Institute, extreme rainfall events are expected to become more common, putting additional stress on already aging infrastructure and drainage systems. Flooding isn’t just a rural issue or a seasonal inconvenience—it’s an evolving national challenge. For homeowners, being prepared is no longer optional; it’s a crucial part of protecting what matters most. 

Top flood risks for Canadian homeowners

Flooding in Canada can come from a variety of sources—many of which aren’t always obvious. Here are the most common risks that homeowners should be aware of:

• Intense rainfall: Short bursts of heavy rain can overwhelm even well-maintained drainage infrastructure. 

• Rapid snowmelt: A sudden rise in temperatures can lead to excess runoff, overwhelming drainage systems. 

• Overflowing rivers and lakes: Heavy rain or rapid snowmelt can cause nearby bodies of water to spill onto surrounding land. 

• Poor property drainage: Improper grading or blocked gutters and downspouts can direct water toward your foundation. 

• Sump pump failure: Without a battery backup, sump pumps may fail during storms or power outages, leading to water damage. 

• Urban infrastructure issues: Overloaded storm sewers and aging drainage systems increase the risk of street and basement flooding. 

• Construction zones and poor soil absorption: Ongoing development and compacted soil can disrupt water flow and limit absorption, leading to surface flooding. 

• Flooding outside official floodplains: Localized flooding can occur even in areas not traditionally labeled as high-risk. 

How to prepare your home for flood season

Taking a few proactive steps now can go a long way in protecting your home from costly flood damage. Use this checklist to get your property ready—both inside and out: 

Interior tasks 

• Move valuables and important documents to higher levels of the home or store them in waterproof containers.
• Elevate electrical panels, furnaces, and major appliances where possible to protect against basement flooding.
• Install water sensors and temporary floor drain plugs in vulnerable areas like the basement.
• Keep an emergency repair kit on hand with items like sandbags, plastic sheeting, duct tape, and towels for quick response during heavy rain. 

Exterior tasks 

• Clean gutters, downspouts, and storm drains regularly to ensure proper water flow away from your home.
• Grade your landscaping so that water drains away from the foundation.
• Install a backwater valve and sump pump with a battery backup to help prevent basement flooding.
• Elevate exterior HVAC units and secure fuel tanks to reduce the risk of water damage and contamination. 

Flood safety measures to protect your family  

Flooding can happen quickly, so planning ahead is key. Here are some steps to take to help keep your household safe and prepared:

1. Build a waterproof emergency kit: Include essentials like bottled water, non-perishable food, a flashlight, radio, medications, first aid supplies, and batteries. Store it in a dry, easily accessible location. 

2. Create a family emergency plan: Make sure everyone in your household knows the evacuation routes and meeting points and has important contact information saved or written down. 
    
3. Sign up for local flood alerts: Many provincial and municipal services offer emergency notifications by text, app, or email. Stay informed and act early when warnings are issued. 
    
4. Include pets in your plan: Keep pet carriers, leashes, and food easily accessible in case you need to evacuate quickly.  
    
5. Practice your evacuation plan: If you live in a high-risk flood zone, run through your plan regularly so your household knows exactly what to do. 

Tip: Download our flood safety checklist to keep these steps handy when you need them most. 

Bonus: Review your home insurance  

Spring is the perfect time to review your home insurance policy. Make sure you're protected against flood risks—especially overland flooding, which may not be included in standard coverage. If you’re unsure, speak with a licensed insurance advisor to explore your options. 

Understanding flood insurance in Canada

Many homeowners are surprised to learn that most standard home insurance policies don’t cover flood damage. However, you may be able to add optional flood insurance coverages to your policy for extra protection:  

• Overland water protection covers damage caused by water that enters your home at ground level from sources like rivers, lakes, or heavy rainfall.
• Sewer backup coverage protects against water backing up through your drains or sump pump. 

Keep in mind that flood risk—and coverage options—may vary by region. That’s why it’s important to review your home insurance policy annually and speak with a licensed insurance advisor to make sure you’re covered. Not sure where to start? Contact a Surex advisor for personalized guidance.  

The importance of having flood insurance coverage

What to do if you experience flooding 

Flooding can be overwhelming, but knowing what to do in the moment can make a big difference. If water enters your home, follow these steps to stay safe and start the recovery process:  

• Avoid electrical systems and standing water. If it’s safe, turn off power and evacuate immediately if advised by local authorities.
• Document the damage. Take clear photos or videos of all affected areas and items before you begin any cleanup.
• Contact your insurance provider ASAP. The sooner you report the damage, the sooner you can begin the claims process.
• Use protective gear during cleanup. Wear gloves, boots, and masks to reduce exposure to mold, bacteria, or contaminated water.
• Keep all receipts. Save records for temporary accommodations, emergency repairs, and replacement items for your claim.  

Take control this flood season  

Floods may be unpredictable, but protecting your home doesn’t have to be. With the right preparation and insurance coverage in place, you can minimize risk and avoid costly surprises. Now’s the time to review your home insurance policy and make sure you’re covered. Surex is here to help you find personalized coverage that fits your needs.

Find the best home insurance rates today.