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    Flood Prone Areas in India

    flood prone areas

    India is a peninsular country surrounded by the Indian Ocean, Arabian Sea and Bay of Bengal. This geographical placement makes the country prone to floods.

    Since floods can cause significant damages to life and property, individuals residing in flood-prone areas  need to be well-prepared. This includes preparing safety kits, noting down the flood-prone zone and insuring the valuables.

    Keep reading to learn about the flood-prone states and cities in India.

    List of Flood Affected States in India

     

    India witnessed a three-fold rise in rainfall and waterlogging across eastern, central and northern India. The monsoon rains from the southwest cause flooding in rivers such as Yamuna, Ganga, Brahmaputra, etc. The intense monsoon swells the banks, which leads to flooding in adjacent areas.

    Here is a table showing the name of the most flood-affected states in India -

    States

    Flood-affected Area (in Million Ha.)

    Uttarpradesh

    7.336

    Punjab

    3.7

    Rajasthan

    3.26

    Bihar

    4.26

    Assam

    3.15

    Haryana

    2.35

    West Bengal

    2.65

    Orissa

    1.14

    Gujrat

    1.39

    Tamil Nadu

    0.45

    Andhra Pradesh

    1.39

    Madhya Pradesh

    0.26

    Tripura

    0.33

    Maharashtra

    0.23

    Manipur

    0.08

    Jammu and Kashmir

    0.08

    Himachal Pradesh

    0.23

    Delhi

    0.05

    Meghalaya

    0.02

    Karnataka

    0.02

    Pondicherry

    0.01

    Kerala

    0.87

    The most flood-affected state in India falls under the Ganga River basins and Brahmaputra. The Indo-Gangetic- Brahmaputra plains in North and Northeast India carry nearly 60% of India’s total river flow.

    Insurance Policies for People Living in the Flood-prone States in India

    Individuals residing in flood-prone areas in India can check the following insurance options -

    • Life Insurance- Life insurance is a contract between the insurer and policyholder to pay a specific amount to the nominee after the policy holder's death. This is a good option for individuals who reside in a coastal region.
    • Car and bike insurance- This policy covers the damages caused by natural and man-made calamities. For example, many Indian states lack proper drainage and pothole management systems. This causes a majority of vehicle accidents and damages during monsoon. Getting car and bike insurance ensures indemnity when facing flood-related problems.
    • Home insurance- Floods and cyclones can damage major sections of a poorly constructed house. In this regard, getting home insurance is a smart choice. This policy covers the damages caused by natural calamities and theft or burglary. You can use the amount to construct or repair the damages caused by the flood.
    • Flood insurance- Flood insurance is not prominent in India. This insurance policy covers most damages caused by floods. You can gain compensation against property loss. Premiums set against the insurance are generally affordable.

    It is advisable to check the policy terms and regulations to make an informed decision. Additionally, if you reside in any of the flood-prone areas in India, keeping a tab over weather updates can aid you in disaster management.

    Frequently Asked Questions

    Is India prone to flooding?

    Yes, most states of India are affected by floods from June to September every year.

    Yes, most states of India are affected by floods from June to September every year.

    Which river causes flood in Assam?

    Brahmaputra river causes floods in Assam.

    Brahmaputra river causes floods in Assam.

    What is the average population that gets affected by flood in India?

    Around 17.3 million people in India have been affected by floods. Floods are a recurring natural disaster that affects thousands of lives every year.

    Around 17.3 million people in India have been affected by floods. Floods are a recurring natural disaster that affects thousands of lives every year.

    Which is the river that contributes most to floods in India?

    Brahmaputra river is one of the rivers that causes the maximum number of floods in India. The minimum recurring time period for flooding of the Brahmaputra river is 2 years.

    Brahmaputra river is one of the rivers that causes the maximum number of floods in India. The minimum recurring time period for flooding of the Brahmaputra river is 2 years.

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    Other Important Articles about Natural Disasters

    Landslides in India

    Flood Prone Areas in India

    Landslide Prone Areas in India

    Causes of Flood in India

    Natural Disasters in India

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    Earthquake Prone Zones in India

    Necessary Precautions During Floods

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    Disclaimer: This information is added only for informative purposes and collected from different sources across the Internet. Digit Insurance is not promoting or recommending anything here. Please verify the information before making any decisions.

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    Last updated: 2023-05-30

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    Go Digit General Insurance Limited (formerly known as Oben General Insurance Ltd.) - Registered Office Address - 1 to 6 floors, Ananta One (AR One), Pride Hotel Lane, Narveer Tanaji Wadi, City Survey No.1579, Shivaji Nagar, Pune-411005, Maharashtra | Corporate Office Address - Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru-560095, Karnataka | Trade logo of Go Digit General Insurance Ltd. displayed above belongs to Go Digit lnfoworks Services Private Limited and is provided and used by Go Digit General Insurance Ltd. under license.