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extreme weather like a pluvial flood—one driven by heavy rainfall—can leave you with “little to no warning,” says Tamsin Lyle, the principal at Ebbwater Consulting, a Vancouver-based company that provides flood management solutions.

Your property’s susceptibility to flood damage is often dependent on its proximity to waterways and bodies of water. Steep creeks, for instance, are subject to “flashy runoff”—intense stormwater runoff that increases in volume quickly during heavy rainfall with little warning.

Big river systems and coastlines, on the other hand, still flood but at a much slower rate.