Coastal Flood & Storm Surge Risk in Newfoundland and Labrador
Newfoundland and Labrador has an unusually large coastal exposure. Provincial coastal-flood resources identify sea-level rise, storm surge and storm waves as material future hazards and provide mapping and simulation tools for coastal communities.
Key points
Confirm the current policy wording and property-specific risk before applying this point to a claim or purchase decision.
Confirm the current policy wording and property-specific risk before applying this point to a claim or purchase decision.
Confirm the current policy wording and property-specific risk before applying this point to a claim or purchase decision.
Confirm the current policy wording and property-specific risk before applying this point to a claim or purchase decision.
Coastal flooding is not one generic water peril
Storm surge, wave action, overland flooding, sewer backup and wind-driven rain can arise during the same event but may be treated differently by a policy. The hazard source and the insurance wording should be checked separately.
Distance from shore is only one variable
Elevation, local topography, shoreline type, protective infrastructure and storm direction can all affect coastal exposure. A broad distance-to-coast rule is not enough to price or predict a property claim.
Long-term maps are planning tools
Future sea-level and storm-surge scenarios are valuable for resilience decisions. They should not be presented as a current insurer quote or as proof that a future claim will be covered.