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Flood Prone Areas in India
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.
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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-Â Life insurance is a contract between the insurer and the policyholder, whereby the insurer agrees to pay a specific amount to the nominee upon the policyholder's death. If you're looking for affordable life insurance, consider term insurance. It offers high coverage at a low premium. This is a suitable option for individuals residing in a coastal region.
- Health Insurance - Residents of flood-prone areas should consider purchasing health insurance to cover medical expenses that may arise due to waterborne diseases, injuries, or infections commonly associated with floods. A comprehensive health insurance plan ensures access to quality healthcare without financial strain during emergencies, especially when local healthcare infrastructure may be disrupted.
- Car 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. So if you are living in a state where frequency of natural calamities is more then buy car insurance online. Getting this car insurance ensures indemnity when facing flood-related problems.
- Bike Insurance- This insurance policy covers the damages caused by natural and man-made calamities for two wheelers. Getting this two wheeler 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.