SACRAMENTO, Calif. – After five years of drought, many owners of homes and second homes in California may shrug off the suggestion of buying flood insurance.

El Niño and the recent wildfires may change the minds of many, according to the Federal Emergency Management Agency.

In California, El Niño means extremely heavy rainfall that could lead to devastating flooding, especially in areas affected by prolonged drought and recent wildfires.

The winter of 1997 was one of the strongest El Niños on record. The rains were so unrelenting in California that they led to mudslides, causing houses to crumble off disintegrating cliffs and hundreds of millions of dollars in damage.

This winter’s El Niño is expected to be as strong or even stronger. El Niño conditions will be strongest between January and late March, and could linger through May.

While flood insurance cannot prevent damage to a home, it is a good investment for protecting it. Property owners can purchase up to $250,000 in building coverage and up to $100,000 for contents.

Especially vulnerable are the areas where wildfires hit. Burn scars leave the ground unable to absorb water, creating conditions ripe for flash flooding and mudflow for up to five years until the vegetation is restored.

Standard homeowners insurance does not cover flood damage. Flood insurance is available through the National Flood Insurance Program (NFIP) and covers a general and temporary condition of rapid and unusual accumulation of surface water displaced over two acres or two properties as defined in the standard NFIP policy.

Since there is a 30-day waiting period before flood insurance coverage becomes effective, property owners are urged to speak with their local insurance agent soon.

For additional information on the NFIP or to find an agent, call 800-427-2419 or visit www.floodsmart.gov .

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain and improve our capability to prepare for, protect against, respond to, recover from and mitigate all hazards.