Flood Preparation and Planning

Floods are typically described as the rising of water from its normal confines onto areas normally covered by dry land. Flood waters usually rise due to increased precipitation. While FEMA has designated some areas of the country to be at higher risk for flooding, every home has the potential to be damaged by flood waters.

Flood damage is difficult to avoid, however, there are things you can do ahead of time to protect your house and family from flood damage.

Flood preparation for your family:

  • Have a family evacuation plan
  • Have a back-up plan for pets in the event of evacuation
  • Create a disaster supply kit that can be quickly packed during an evacuation

Flood preparation for your home:

  • Know flood elevation levels and the flood history of the area your home is in so you can evaluate what precautions may be necessary to take
  • If you are building a home in an area prone to flooding consider building your home on pilings
  • Have a sump pump installed to remove excess water from basements and first floor levels
  • Polyethylene wrapping can be performed on homes that are in immediate danger of being flooded

Is it covered?

Flood damage is not covered under a standard home insurance policy. Call your home insurance agent to get a quote on flood coverage and to inquire about the flood zone your home is located in.