Flood Consultants Network

Flood Consultants Network Flood Business Risk Advisor | Helping Owners Understand the Financial Gap Between Insurance and Recovery

One of America’s most destructive hurricanes hit a place many people don’t associate with major hurricanes:New England.O...
09/04/2026

One of America’s most destructive hurricanes hit a place many people don’t associate with major hurricanes:

New England.

On September 21, 1938, a powerful hurricane raced north along the East Coast and struck Long Island and southern New England.

And “raced” isn’t an exaggeration.

The storm was moving north at roughly 50 mph as it approached the region.

It hit around high tide, driving a devastating storm surge into coastal communities.

Downtown Providence, Rhode Island was submerged beneath a storm tide approaching 20 feet, while thousands of homes and buildings across southern New England were destroyed or damaged.

The storm became known as the Great New England Hurricane of 1938 — and also earned the nickname the Long Island Express because of how quickly it moved.

It’s a reminder that hurricane history stretches much farther north than Florida and the Gulf Coast.

Sometimes the places that seem least likely to experience a major storm have some of the most remarkable storm stories.

FCN works with property owners dealing with current and previous flood claims. If you ever have questions after a flood, ask about our free initial Flood Claim Review.

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A baseboard is decorative... until water gets involved.When water enters a room, that small strip along the bottom of th...
09/02/2026

A baseboard is decorative... until water gets involved.

When water enters a room, that small strip along the bottom of the wall can become a clue to what happened behind it.

Here’s why:

Baseboards sit directly against the lower portion of the wall — exactly where floodwater and moisture often collect.

And behind that baseboard may be:

→ Drywall
→ Insulation
→ Wood framing
→ Adhesives
→ Small gaps where moisture can travel

So even after the visible water is gone, the materials behind the trim may have experienced something completely different from what you can see from the room.

That’s part of what makes water damage unusual.

Sometimes the smallest building component can point toward a much bigger area that needs attention.

Have questions about the repair scope after a current or previous flood? FCN can provide a free initial Flood Claim Review.

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The same repair job can cost more today than it did just one year ago.And it’s not necessarily because the scope changed...
08/31/2026

The same repair job can cost more today than it did just one year ago.

And it’s not necessarily because the scope changed.

Residential reconstruction costs rose about 3.8% nationally from July 2025 to July 2026, with labor and material costs continuing to put pressure on repair budgets.

That matters for more than major renovations.

Think about everything involved in putting a damaged room back together:

Drywall.

Flooring.

Trim.

Cabinets.

Paint.

Electrical work.

Labor.

Debris removal.

A few percentage points across multiple trades and materials can change the final repair cost considerably.

It’s one reason property owners should be careful about comparing today’s repair pricing to what something cost several years ago.

The house may be the same.

The price of rebuilding it isn’t.

If you’re comparing an insurance estimate with a contractor estimate after a flood, FCN offers a free initial Flood Claim Review.

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If living near the water comes with extra risk... why do so many people still want to do it?Because there’s something ab...
08/28/2026

If living near the water comes with extra risk... why do so many people still want to do it?

Because there’s something about life near water that’s hard to replace.

Morning walks along the coast.

Restaurants overlooking a harbor.

Fishing before sunrise.

Boats coming and going.

A breeze coming off the water at the end of a hot day.

And entire neighborhoods whose identity has been shaped by the ocean, a river, a bay or a lake.

For millions of property owners, being near the water isn’t simply a real-estate decision.

It’s a lifestyle.

Of course, living close to water also means learning to respect it. Elevation, drainage, construction, storm preparation and even the way a property is positioned can matter when the weather changes.

That balance, enjoying the water while understanding it, is part of coastal living.

And if that water ever ends up somewhere it shouldn't, remember FCN is available for a free initial review of qualifying current or previous flood claims.

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The wettest part of a wall isn't always where the water first entered.Water inside a building can take some surprisingly...
08/26/2026

The wettest part of a wall isn't always where the water first entered.

Water inside a building can take some surprisingly complicated routes.

It can move:

→ Along pipes
→ Behind baseboards
→ Through tiny gaps between materials
→ Under flooring
→ Into wall cavities
→ From one room into another

That means the obvious wet spot may only be one part of the path.

Think about spilling water on the edge of a stack of paper. It doesn’t politely stay where it landed. It spreads into whatever material will absorb it.

Buildings can behave the same way.

That’s why understanding water damage often involves looking beyond the place that looks wet.

If a current or previous flood left you wondering whether the scope of repairs matches what actually happened to the property, FCN can provide a free initial Flood Claim Review.

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Sometimes the story after a storm isn’t the storm.It’s the community that wakes up the next morning.Tropical Storm Lala ...
08/24/2026

Sometimes the story after a storm isn’t the storm.

It’s the community that wakes up the next morning.

Tropical Storm Lala brought intense rain, flooding, power outages and significant damage across Hawaiʻi, with some of the hardest impacts on the Big Island.

And behind every photo of a washed-out road or damaged home are real people dealing with what comes next.

Our thoughts are especially with the families who lost loved ones and with everyone facing damaged homes, disrupted roads, power outages and a difficult cleanup.

One thing storms continually remind us of: water can change a community incredibly quickly — but recovery is built one neighbor, one home and one helping hand at a time.

Sending our support to the people of Hawaiʻi. 🌺

For anyone affected by flooding who eventually has questions about their flood claim or repair estimates, FCN offers a free initial Flood Claim Review. There’s no need to make that decision while the immediate recovery is still underway.

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Two contractors can look at the same damaged room and come back with two very different numbers.That doesn’t automatical...
08/21/2026

Two contractors can look at the same damaged room and come back with two very different numbers.

That doesn’t automatically mean one of them is wrong.

A repair price is really a collection of decisions.

Does the flooring come out, or can it stay?

Are cabinets being detached and reset, or replaced?

Is drywall being repaired in sections, or across an entire wall?

Does the price include demolition?

Debris removal?

Moving appliances?

Baseboards and trim?

Painting only the repaired area, or creating a consistent finish across the room?

Then add differences in labor rates, material choices, availability and local market conditions.

So when two estimates are thousands of dollars apart, the useful question isn’t always:

“Which number is right?”

Sometimes the better question is:

“Are these two estimates actually describing the same job?”

That’s a much better place to start.

Not sure whether your insurance estimate and contractor estimate are describing the same scope of work? FCN can take an initial look through its Free Flood Claim Review.

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The street can flood when there isn’t a cloud in the sky.No hurricane.No thunderstorm.Sometimes, not even rain.Yet in so...
08/19/2026

The street can flood when there isn’t a cloud in the sky.

No hurricane.

No thunderstorm.

Sometimes, not even rain.

Yet in some coastal communities, water can still rise into streets during an unusually high tide.

It’s commonly called high-tide flooding or sunny-day flooding.

That’s because coastal water levels aren’t controlled by weather alone.

Tides, sea level, wind, ocean currents and local conditions can combine to push water above the normal high-tide mark.

In some places, that can put water into streets and interfere with drainage systems even when the weather looks perfectly calm.

That’s what makes coastal flooding so interesting:

Water doesn’t always need to fall from the sky to end up in the street.

For people who live near the coast, understanding the tide can sometimes be just as important as watching the weather forecast.

Water can reach property in more ways than most people expect. If you have questions about a current or previous flood claim, FCN offers a Free Flood Claim Review as an initial review of your claim documents.

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One of Hurricane Charley’s most remarkable features wasn’t just its strength.It was how small its strongest core was.On ...
08/17/2026

One of Hurricane Charley’s most remarkable features wasn’t just its strength.

It was how small its strongest core was.

On August 13, 2004, Hurricane Charley struck southwest Florida as a Category 4 hurricane.

Before landfall, the storm’s eye had become very small, with the most extreme winds concentrated remarkably close to the center.

That helps explain something people sometimes find surprising after a major storm:

Two communities — or even two areas of the same community — can experience dramatically different conditions.

Storm maps can make hurricanes look like one giant circle of equal force.

They aren’t.

A storm’s size, track, wind field, rainfall, surge, forward speed and local geography can all change what happens on the ground.

More than two decades later, Charley is still a strong reminder that the details of a storm matter.

Have a current or previous flood claim that left you with questions? FCN offers a Free Flood Claim Review as an initial review of your claim documents.

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Beneath one of America’s best-known riverfront destinations is a tunnel built to move millions of gallons of floodwater....
08/12/2026

Beneath one of America’s best-known riverfront destinations is a tunnel built to move millions of gallons of floodwater.

San Antonio’s River Walk is known for restaurants, stone bridges, shaded pathways, public art, and boats moving through downtown.

What visitors may not notice is the flood-control system working around it.

After decades of damaging floods, San Antonio developed a network of channel improvements and underground tunnels. The San Antonio River Tunnel was completed in 1997 and uses gravity to divert floodwater beneath downtown.

According to the San Antonio River Authority, the system can move as much as three million gallons of water per minute during a flood event.

That is part of what makes life near the water so interesting: the most inviting waterfront spaces often depend on serious engineering that most visitors never see.

The San Antonio River Authority says the tunnel was completed in December 1997, relies on an elevation difference to move water by gravity, and can carry up to three million gallons per minute. The tunnel helped protect downtown during the major October 1998 rainfall event.

FCN appreciates the communities that learn to live with water instead of simply turning away from it. For questions about a current or previous flood claim, ask whether it may qualify for a free initial Flood Claim Review.

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