As the way Canadians think about their homes continues to evolve, an increase in heavy rainfalls across the country are raising new questions about how well living spaces can withstand climate-related risks. What once felt like routine home upkeep is now tied to broader questions of resilience, safety, and long-term protection.
Data released by Allstate shows that home insurance claims due to external water sources nearly doubled in 2025 compared to the previous year, and water damage accounted for over 40% of all home insurance claims between 2021 and 2025. And while the risks continue to rise, a recent Léger survey conducted for Allstate found that more than half of Canadians (53%) still do not plan to take any steps to prevent water damage this spring.
The good news? There are practical steps everyone can take — whether you live in a house, condo, or rental unit — to better protect your space from flooding and water damage.
1. Raise and Mount Your Electronics and Large Appliances
Take steps to keep your walls and floors completely dry. Mount TVs and speakers on the wall or elevate consoles on stands. This simple trick keeps them off the floor and away from potential water damage. If you have particularly expensive equipment, it may be worth relocating it to the main floor altogether.
In addition, consider raising large appliances kept in the basement, like a washer, dryer, or HVAC equipment on concrete slabs or inside a concrete block wall to avoid damage. To avoid electrical shock, ensure service panels, meters, switches and outlets are at least 30 centimeters above the basement floor.
For condo and apartment dwellers, avoid storing electronics near entryways, patios, or windows where water can enter.
2. Use Plastic Storage Bins
Still storing seasonal decorations, family keepsakes, or old documents in cardboard boxes? Swap them out for plastic bins with secure lids. They’re a much better defense against water and humidity, ensuring your belongings stay safe and dry. And just like electronics, try to store valuable documents and souvenirs on raised surfaces.
3. Install Water Detectors
Early detection is crucial when it comes to flooding. Water and leak detectors placed in key areas can notify you the moment water is detected. Better yet, install a system that’s compatible with your home’s monitored security system for more immediate alerts, even if you’re not home.
4. Slope Your Landscaping Away from the House
Preventing flood water from pooling around your foundation is one of the best ways to protect your basement. Check your landscaping to ensure the ground slopes away from your home. This helps redirect water runoff and reduces the risk of excess water from seeping inside.
5. Keep a Backup Sump Pump
A sump pump is a good defense to get water out of the basement, but like any appliance, it can fail. Having a battery-operated backup sump pump ensures you’re protected even during a power outage or equipment failure.
6. Seal Cracks and Windows
Inspect your basement walls and windows regularly for cracks or gaps that could let water in. Seal them with waterproof caulk or other appropriate materials to reduce the risk of leaks. In addition, install window well and well covers on basement windows.
7. Ensure Proper Drainage Systems
A well-functioning floor drain is essential for keeping water away from your basement. Regularly inspect and clean your eavestroughs and downspouts to make sure they direct water at least six feet away from your foundation. Consider installing a backwater valve to prevent sewage backup during heavy rain. For homes in high-risk areas, a French drain (also known as a perimeter drain) can help divert groundwater away from your basement.
8. Protect Flooring and Choose the Right Materials
If you’re planning a renovation, choose water-resistant flooring materials like vinyl, tile, or sealed concrete, especially in the basement. Avoid carpeting in areas that are prone to flooding—it absorbs moisture and can rapidly lead to mold growth. Use rugs that can be easily removed and cleaned instead.
9. Switch to Waterproof Cabinetry
Whether it’s a laundry room, entryway, storage room, or ground floor living area, consider upgrading to waterproof cabinetry and materials like vinyl, tile, or sealed concrete. Traditional wood cabinetry can warp or deteriorate quickly in the event of flooding, but waterproof options will give you added peace of mind.
10. Get the Right Insurance Coverage
Allstate’s internal data shows that 1 in 4 Canadians are unaware whether their home insurance policy covers flood related damage — making now the ideal time to review your policy.
Standard home insurance doesn’t always include flood protection, so it’s important to speak with your insurance company to understand your coverage and add flood insurance if needed. Find out more about Allstate’s Water Damage coverage in your province or contact an Allstate agent. Being properly insured can save you significant costs and headaches in case of an emergency.
11. A Little Preparation Goes a Long Way
In the event of a storm, be sure to review your emergency preparedness plan. Make sure all family members have each other’s contact information and know where to meet in case of an emergency. Learn about the emergency plans at your workplace and your children’s school or daycare.
Lastly, make sure assess the damage and record details of any damage before you clean up. Take photos or videos to help with your property damage claim.
A More Resilient Future Begins at Home
No matter where you live — a condo in the city, a suburban home, or a rental unit — water protection starts with small, proactive steps. As Canadians adapt to evolving climate realities and new flood prevention standards, a more resilient home begins with awareness, preparation, and informed decision making.
With the right mindset and the right tools, you can protect your living space, reduce potential damage, and feel confident that your home is ready for whatever the weather brings.
Disclaimer: These preventative steps may help reduce risk but do not eliminate the possibility of water damage. This information has been provided for your convenience only and should not be construed as providing legal or insurance advice. Allstate does not control or guarantee the accuracy of any content on any third-party site. Allstate is not responsible for the privacy practices of any third-party site.