What happened when Lewisville Lake hit a record in 2015?
Early on Sunday 31 May 2015 Lewisville Lake reached a pool of record of 537.02 feet, well above its 522-foot conservation pool and the 532-foot spillway top. Water topped the spillway and flooded streets below the dam, but reports said it did not enter structures there.
The episode helped win roughly $150 million of Corps upgrades at the dam, about half of it for the spillway. Those are dam safety improvements, and they do not mean the dam was unsafe. They reflect how close the lake came to testing its design.
No source we have names a town where homes took lake water that day, and this page does not claim one did. What the record does show is how much water the system can hold, and how much room for rain it leaves.
Why is floodwater treated as contaminated?
Floodwater from a lake, creek or street is Category 3, the most contaminated class, because it carries sewage, soil, chemicals and bacteria from everywhere it crossed. Materials it soaks are usually removed rather than dried, and cleaning and treatment come before drying so contaminants do not stay in the structure.
Category 3 is an industry term from the ANSI/IICRC S500 standard, and it is not a judgment about your house. It also describes rising floodwater, not only sewage. Clean water can slide toward Category 3 if it sits, but floodwater starts there.
That is why the early photographs and the removal list matter. The crew records what came out and where the waterline sat, which gives your insurer and any later buyer a clear picture.
Does homeowners insurance cover flood damage?
Standard homeowners policies usually exclude flood, meaning surface water from lakes, creeks and overflowing drains. Flood coverage is a separate policy, through FEMA's National Flood Insurance Program or a private insurer, and it generally has a waiting period. Your insurer decides coverage under your policy, and the crew only documents.
Ask your agent now, not after a storm, whether you have flood coverage, and what the waiting period is for a new policy. Many homeowners learn the difference only after water has come in.
If you do have flood coverage, photograph the waterline, keep damaged items until the adjuster has seen them and call early. The crew passes along its readings, photos and the record of what was removed for the claim.
What should you do in the first hours after flooding?
Stay out of the water, shut off power at the panel only if you can reach it dry, photograph everything and call. Do not run a household vacuum, do not eat food that touched floodwater and do not wait for the water to recede before reporting it. Cleanup starts once the structure is safe to enter.
If the water is still rising or standing in the street, wait for it to recede before you try to enter. Floodwater near the Elm Fork or a creek can move quickly and can hide holes or debris.
Move valuables upward, not outside. Wet cardboard, upholstered furniture and rugs often cannot be cleaned, and your list of what you lost helps with an insurance claim.
Which materials stay and which go after a flood?
Sealed hard surfaces such as tile, concrete and framing are cleaned, treated and dried. Porous materials that soaked up floodwater, including carpet, pad, insulation, drywall and particleboard cabinet bases, are usually removed. Solid wood sometimes stays after cleaning, and the call depends on readings and how long it sat wet.
People often ask the crew to save the carpet, and the answer depends on the water, not the carpet. Clean-water carpet can sometimes be dried and re-stretched. Carpet that sat in floodwater carries contamination into its backing and pad, and cleaning does not reliably remove it.
Furniture and contents get sorted too, into items to clean, items to store and items to discard. The crew photographs each group first, and the list becomes part of the record you keep for your claim. Nothing is thrown away without you seeing it first.