Floods occur when heavy rain or snowmelt causes a river's water levels to exceed its channel capacity, overflowing onto the flood plain. There are three main types of flooding: coastal from ocean waters, river from excessive water in river channels, and ground water from saturated soil. Individual precautions include having an emergency radio, staying off flooded roads, and avoiding electrical hazards, while after a flood it is important to check for structural damage, boil water, and reduce future flood risk.