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Idaho's water damage risk is shaped primarily by its mountain snowpack. Each spring, snowmelt from the Rockies and other ranges feeds rivers like the Boise and Snake, and rapid warming can raise water levels faster than drainage systems and older infrastructure can handle. Ice jams on rivers during the late winter and early spring thaw are also a documented risk in parts of the state, capable of causing sudden localized flooding upstream of the blockage. Mountainous terrain elsewhere in Idaho means summer thunderstorms can also produce fast moving flash floods in canyons and low lying valleys.

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