When it comes to home insurance, every province has its own risk factors and Manitoba has quite a few.
Homeowners can face wildfires, which can start in any part of the province. Some have occurred in the northern part of the province in the Red Lake area and others have happened further south. Manitoba also has freezing temperatures, which isn’t a surprise. Temperatures drop as low as −40 °C for several days which can cause pipes to freeze and burst.
Regions at highest risk: Because of the region’s vast grasslands, southern Manitoba experiences frequent forest fires during the summer. Regardless, the entire province is considered at-risk for forest fires, according to the provincial government.
Tornadoes are another environmental risk factor. The province sits in what the University of Winnipeg calls the ‘northern end of Tornado Alley,’ which starts at the Gulf of Mexico. The province has on average seven to 10 tornados a year, most which tend to land in southern Manitoba.
Regions at highest risk: Communities in southern Manitoba — starting roughly around the City of Dauphin and straight down to Winnipeg — are most at risk for tornadoes.
Manitoba also suffers from overland flooding that affects basements, foundations, sewage systems and farmland. The Red River is one such example. It has flooded multiple times since 1826.
Regions at highest risk: All communities along the banks of the Red River, which flows north from Minnesota and empties into Lake Winnipeg, should prepare for annual flooding.