What weather and flood risks matter in Lawrenceville?

The main weather and flood risks in Lawrenceville are severe thunderstorms with wind and hail, flash flooding from the area’s creeks and heavy rain, and the leftover rain from tropical systems that move up from the Gulf. These threats are covered differently, so it helps to know which policy handles which risk.

Wind and hail damage is normally covered by your homeowners insurance, but many Georgia insurers now apply a separate deductible/" class="oc-glossary-link">wind and hail deductible that is a percentage of your home’s value rather than a flat amount. On a home insured for $320,000, a 2 percent deductible means you cover the first $6,400 of storm damage before coverage kicks in. You can learn more in our guide to Georgia wind and hail deductibles.

Flooding is the risk most often left uncovered. A standard homeowners policy does not cover rising water from creeks or heavy rainfall, which are the common flood sources in Gwinnett County. To be protected, you need a separate flood insurance policy. Remember that about a quarter of flood claims come from lower-risk areas, so being off the high-risk map does not make you safe.

For example, if a heavy storm pushes creek water into your home and causes $40,000 in damage, your homeowners policy would deny the claim while a flood policy could pay for the repairs. Let us match your coverage to Lawrenceville’s real risks with a free coverage review at our coverage review page.