Overview

Overland flooding is where water flows overland and seeps into buildings through windows, doors and cracks.

Overland flooding commonly occurs:

  • when the volume of water in a river or stream exceeds the capacity of the channel
  • after heavy rainfall, especially in the spring, when the ground is still frozen or already saturated from previous storms
  • following rapid melting of snow and ice jams

Insurance coverage

Overland flooding insurance is now being offered by the majority of insurance companies in Alberta. All property owners should have adequate overland flood insurance as the Disaster Recovery Program does not provide assistance for damages that are insurable.

It’s important to note the amount you pay for coverage will depend on where you live and premiums will vary by insurance company and coverage type.

As insurance guidelines vary between insurers, Albertans are advised to check with several insurance companies and compare policy coverage and premiums when purchasing overland flood insurance.

There is currently no standardized flood mapping system used for insurance in Alberta. However, the government’s Flood Hazard Map shows the risks of a 1 in a 100-year flood event.

For questions about insurance coverage in Alberta, contact the Insurance Bureau of Canada.

Upcoming changes

Albertans who are uninsurable may qualify to receive assistance for damages caused by overland flooding through the Disaster Recovery Program. However, since overland insurance is readily and reasonably available to most Albertans, we are reassessing program eligibility for the 2020 program year.