Storm Surge

Storm Surge

Definition

Storm Surge refers to the abnormal rise in seawater level during a coastal storm, primarily caused by strong winds pushing water toward the shore. This surge can combine with normal tides to create extreme flooding, often leading to severe property damage. In insurance terms, storm surge is a critical peril that homeowners and property owners along coastal regions must understand, as it directly impacts the scope and limitations of their property and flood insurance policies.

How It Works

When hurricanes or tropical storms make landfall, the combination of low atmospheric pressure and intense wind can elevate sea levels dramatically, inundating coastal and nearby low-lying areas. Storm surges can flood homes, roads, and infrastructure, causing damage not always covered under standard homeowners insurance. Typically, coverage for flood-related losses, including storm surge, must be obtained through a separate flood insurance policy, such as one provided by the National Flood Insurance Program (NFIP).

Why Waycross, GA Residents Should Know This

While Waycross, GA is inland, its proximity to the Georgia coast means severe weather systems and their residual effects can still be felt locally. Understanding storm surge is crucial for residents who own coastal properties or have second homes near the water. Additionally, for those who frequently travel to or own boats along the coast, being aware of storm surge risks helps in preparing for potential insurance claims following major weather events. Georgia’s coastal communities often depend on programs like TWIA and NFIP to manage these exposures effectively.

What This Means for Your Coverage

It’s essential to know that most Homeowners Insurance policies do not cover flooding from storm surge. To be fully protected, residents should consider a dedicated Flood Insurance policy. For those who own or store a vessel near coastal waters, reviewing your Boat & Watercraft Insurance coverage ensures you’re prepared for potential surge-related losses.

Expert Tip

The Larson Group recommends that Waycross homeowners and coastal property owners conduct a coverage review before hurricane season begins. Discussing your unique exposure and property specifics with an expert ensures you have a complete understanding of how storm surge could affect your insurance coverage and recovery options.