Homeowners' biggest flood risk is from within their own homes.

Homeowners may be surprised to learn that a leaky appliance inside their home is more likely to cause damage than a hurricane or storm.

On average, about 75% of Safeco's water-loss claims are caused by appliances, such as washing machines, water heaters or refrigerators, Safeco said.

"There are so many sources of water within a home, and so many parts that can wear out or fail ... that's the main source of our water claims," said Jeff Wallace, regional property manager for claims for Safeco.

A typical water loss claim amounts to $2,800 to $4,000, but can cost more, according to Safeco. Typically, most policies cover sudden or accidental loss, such as a pipe bursting or a hot water tank discharging all of its water, but will not cover a long-term leak that goes undetected, Wallace said.

Everyone living in a house should know how to shut off water in an emergency, Safeco said. Worn hoses should be replaced, and homeowners should routinely check their homes and appliances for leaks or potential trouble spots.

Safeco has launched a program to help homeowners prevent water damage claims at its Web site: wwu:safeco.com/drip.

Loss/Risk Management Notes is compiled by Senior Associate Editor Meg Green.