Canada’s grade on flood preparedness: C

Canada’s provinces and territories received a grade of C on flood preparedness, as determined following a two-year national study completed in 2019

Waterloo, ON (Aug. 6, 2020) – Canada’s provinces and territories received a grade of ‘C’ on flood preparedness, as determined following a two-year national study completed in 2019.

The Intact Centre on Climate Adaptation at the University of Waterloo interviewed 139 provincial and territorial government representatives responsible for managing floods, climate-related risks and emergency services from across all regions of Canada to calculate the grade.

A comparable study completed in 2016 resulted in a national score of ‘C-’, suggesting that Canada’s preparedness to limit flood risk has showed progress over the past four years.

“Canada is heading in the right direction on flood risk protection. In light of effectively irreversible climate change, both the challenge and opportunity going forward will be to continue to deploy measures to limit future risk of flooding”, said Blair Feltmate, Head of the Intact Centre and author on the report.

Flood Grade of Canada’s Provinces and Territories
Province/Territory 2016 2019
British Columbia D C+
Alberta C+ C+
Saskatchewan C C
Manitoba C C-
Ontario B- C
Quebec C C
New Brunswick C- C
Nova Scotia C+ C
Newfoundland & Labrador D+ C+
Yukon D+ B-
Northwest Territories NA C
Nunavut NA C-

The flood preparedness of provinces and territories was evaluated relative to nine and seven criteria, respectively, that addressed such topics as:

  • The state of readiness of Canada’s flood plain maps;
  • Land use planning relative to flood risk;
  • Efforts to retain natural infrastructure;
  • Flood safety and preparedness of critical infrastructure, and;
  • Public health and emergency management capacity to limit flood risk.

For each interview and area examined, provinces and territories were assessed on a quantitative five-point scale, which ranged from ‘A’ for the highest state of flood preparedness, to ‘E’ for the least prepared.

Key highlights of the study include:

  • Alberta, New Brunswick, Newfoundland and Labrador, Prince Edward Island and Yukon declared that they have incorporated the impacts of climate change into their floodplain mapping initiatives, while British Columbia, Manitoba, Nova Scotia, Ontario, Quebec and Saskatchewan only collaborate with local governments and agencies regarding the incorporation of climate change into floodplain maps.
  • Provinces and territories reported significant strengths in emergency management, particularly related to maintaining flood forecasting and alert warning systems during flood events.
  • Provinces and territories showed diligence in sustainable flood management regarding effort to retain natural infrastructure, such as wetlands, within new community developments.
  • Provinces and territories indicated limited involvement to mitigate flood risk applied to the integrity of critical infrastructure, including electrical systems, telecommunication systems, highway infrastructure, integrity of pipelines and water supply/wastewater treatment.
  • Provinces and territories received relatively low scores in land use planning, reflecting the need to limit new development within floodplains, and/or to deploy existing adaptation standards to limit flood risk in vulnerable locations.
  • For all provinces and territories, particularly in light of a changing climate, there is both a need and opportunity to review system interdependencies (e.g., electricity generation, fuel supply, telecommunications services, etc.) to avoid cascading system failures.

Of the primary sources of flooding across Canada (i.e., riverine, urban, coastal, ice jams, groundwater), only riverine mapping has been developed by all provinces for some portion of their jurisdiction.  For all other flood sources – that prove increasingly challenging against the backdrop of climate change – the report identified that mapping efforts remain either underdeveloped, incomplete or non-existent.

“Climate change is not solely an environmental issue, it’s a societal and economic one” said Charles Brindamour, CEO of Intact Financial.  “Adapting to the impacts of climate change is a collective effort. The recommendations in this report enable communities, NGOs and governments to continue to progress and accelerate resilience measures and standards that will have a lasting impact.”

Overall, the study revealed that understanding of flood risk mitigation across Canada is high.  Canadian provinces and territories must now double-down on the deployment of adaptation practices to ensure that the 2024 national grade on flood preparedness becomes an A.

Access the full report:

About Intact Financial Corporation

Intact Financial Corporation (TSX: IFC) is the largest provider of property and casualty (P&C) insurance in Canada and a leading provider of specialty insurance in North America, with close to $10 billion in total annual premiums. The Company has over 13,000 full- and part-time employees who serve more than five million personal, business, public sector and institutional clients through offices in Canada and the U.S. In Canada, Intact distributes insurance under the Intact Insurance brand through a wide network of brokers, including its wholly-owned subsidiary BrokerLink, and directly to consumers through belairdirect. In the U.S., OneBeacon Insurance Group, a wholly-owned subsidiary, provides specialty insurance products through independent agencies, brokers, wholesalers and managing general agencies. For more information, visit

The Intact Centre for Climate Adaptation (ICCA) was developed after five years of research and discussions with the University of Waterloo. The ICCA is a national applied research centre focused on bringing practical and cost-effective solutions to address climate change and extreme weather events. Every Canadian has felt the effects of climate change in recent years. The ICCA serves as an incubator to promote new ideas on how we, as a country, can adapt to the ever-changing weather.

About the University of Waterloo

University of Waterloo is one of Canada’s top innovation universities. With more than 36,000 students and the world’s largest co-operative education system of its kind, its unmatched entrepreneurial culture, combined with an intensive focus on research, powers one of the top innovation hubs in the world. For more information about Waterloo, please visit

SOURCE: Intact Centre on Climate Adaptation, Faculty of Environment, University of Waterloo

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