CAA-Quebec provides the facts on Quebec’s new flood zone maps
Since March 2026, the Quebec government has been gradually rolling out the new flood zone maps. This update will have tangible impacts for many homeowners, condo owners, and tenants, particularly regarding insurance.
The main goal of the new maps is to strengthen flood prevention and help communities better manage flood risks—a critical priority as climate change causes more frequent extreme weather events.
In light of these changes, CAA-Quebec is committed to serving as a trusted resource and guide for home insurance and flood risk prevention. It is also important to consider the potential improvements that can be made should a property be affected by severe weather.
Impacts on home insurance
Among other impacts, the new map could lead to:
- Higher insurance premium, depending on the risk level
- Coverage limitations
- More complex underwriting for flood protection
While each insurer applies its own criteria, and government mapping is only one tool used to assess risk, recognized preventive measures may help reduce an insurer’s perceived risk. In addition, certain actions in flood zones (e.g., construction work to make repairs, expansions, or substantial modifications following a loss) may require municipal authorization before the work can begin.
“As a personal lines damage insurance agency, our role is to help Quebecers see the big picture, adapt their coverage, and implement concrete prevention measures. Having the right information to make informed choices is the best way to protect your home and your peace of mind.”
Suzanne MichaudVice President, Insurance, CAA-Quebec
Prevention: The key to reducing risk
CAA-Quebec recommends several practical measures to limit the impact of flooding:
- Install a backwater valve or sump pump with battery backup
- Seal foundation with a waterproof membrane
- Protect doors and windows against water infiltration
- Raise sensitive equipment (water heaters, electrical panels, appliances) off the ground
- Avoid storing valuables in the basement
- When renovating a basement, use rot-resistant materials (e.g., opt for polished concrete flooring and ceramics on walls, avoid carpets, etc.).
Documenting any work completed (photos, invoices) can also be invaluable when dealing with your insurer.
The Government of Quebec also allocated funds in the latest budget to help Quebecers make their homes more resilient to the effects of climate change. A total of over $425 million over five years has been earmarked for a new component of the Rénoclimat program. This provides financial support for foundation protection and the installation of backwater valves to protect against the risk of rainwater flooding in high-risk areas.
A trusted partner
As a home insurance specialist, CAA-Quebec supports its members by helping them understand their risk exposure, adapt their coverage, and make informed choices. CAA-Quebec’s Residential Advisory Services are also available to answer members’ questions, particularly regarding flood risk prevention.
About CAA-Quebec
CAA-Quebec provides a wide range of assistance services in a variety of areas based on a people-focused approach. The organization is committed to society and to defending its members’ day-to-day interests. It pursues its organizational values—trustworthiness and benevolence—by fostering responsible resource use and promoting road safety.
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