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An insurance expert can help you understand what your policy may (and may not) cover related to drought impacts—like sudden pipe damage versus gradual foundation settling—so you can plan ahead.
Flooding, tornadoes, hurricanes, wildfires, earthquakes and mudslides tend to dominate the conversation around home disasters. But extreme drought may also cause costly damage—especially over time.
If you live in an area where drought conditions are common, use this guide to understand how drought affects your property and what you can do to help protect your home before and during a dry spell.
A drought is an extended period with little to no rain or other types of precipitation, often paired with higher temperatures. When the soil around your home loses moisture, it may shrink and shift. Over time, that movement may contribute to uneven settling—and expensive foundation-related repairs.
Signs of potential foundation movement can include:
Drought can also put stress on your plumbing. As the ground dries out, trees and large plants may extend their roots farther than usual in search of moisture—sometimes into areas near underground plumbing, septic lines or irrigation pipes.
Over time, roots can constrict pipes or force their way into small cracks and joints. That pressure may lead to leaks, reduced water pressure, clogged sewer lines or broken pipes—especially in homes with older plumbing or large mature trees close to the foundation.
Unlike many sudden disasters (like fires or windstorms), drought impacts—such as gradual foundation settling—may not be covered under standard homeowners insurance. That’s why prevention matters.
Use the checklist below to help reduce risk before drought conditions start, and to conserve water and help protect your property and landscaping during a drought.
Before a drought:
Note: If local rules allow you to water around your foundation, use a soaker hose or drip irrigation with a timer. The goal is slow, even moisture—not overwatering. Always follow local restrictions.
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Get Free GuidesHomeowners insurance can be complicated when it comes to drought-related damage. Some losses may be covered (like damage from a sudden event), while others—especially gradual issues—may be excluded. Review your policy and talk with your insurance provider to understand your limits.
insurance information
An insurance expert can help you understand what your policy may (and may not) cover related to drought impacts—like sudden pipe damage versus gradual foundation settling—so you can plan ahead.
A: It can. When soil loses moisture, it may shrink and shift. Over time, that movement can contribute to cracks, sticking doors/windows and uneven floors. If you notice these signs, consider consulting a qualified foundation professional.
A: In some areas, controlled watering (when permitted) may help keep soil changes more gradual. Follow local restrictions and use slow methods like drip irrigation or a soaker hose with a timer to avoid overwatering.
A: Yes. Dry conditions can contribute to ground movement and encourage roots to search for moisture near pipes, potentially leading to clogs, leaks, or pressure on older plumbing systems.
A: It depends. Policies often cover sudden, accidental losses (like a burst pipe caused by a covered event), but may exclude gradual foundation settling or preventable maintenance issues. Confirm details with your insurer.
This information is being provided for general informational purposes only. The Auto Club Group does not assume any liability in connection with providing this information.
