Floods are the number one most frequently occurring natural disaster in the United States, and this weather threat doesn't let up once the temperatures drop.

Throughout the coldest months of the year, every part of the country is at risk of winter flooding.

As the season unfolds, agents need to prepare and educate clients on the risks of wintertime flooding. Experts from the Federal Emergency Management Agency (FEMA) and Aon National Flood Services warn about the different causes and risks of winter flooding as well as who is most at risk and provide critical information on insurance coverage and claims.

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