It’s storm season and that means the possibility of flooding. Protection for your home and family starts by taking proper preventative steps so that if the time comes, you are ready.


  • Just one inch of water can cause over $25,000 in damages to your home. Flood insurance is the best way to protect your home and belongings. If you already have a policy in place be sure to review it and know your coverage.
  • Remember that typical home insurance policies do not cover flood damage. Coverage must be purchased from a federal or private agency. Talking with your insurance agent and doing an overall assessment of your possible risks and needs is the best way to get you adequately covered.
  • If you live in a high-risk area you may need extra coverage. The government has programs to aide in these situations. The National Flood Insurance Program (NFIP) is a federal program administered through FEMA. There are no restrictions and policies are available to anyone regardless of whether you live in a floodplain or high-risk area. Most, but not all, communities participate in the program. You can get more information here at gov/national-flood-insurance-program or speak directly with an NFIP contact at 800-427-4661.
  • A typical flood insurance policy will not go into effect until 30 days after purchase. Be sure to ask your agent when your coverage will begin. Don’t wait until the last minute to purchase a policy.


  • Flooding is the number one natural disaster in the United States. You may think that because you live outside a high-risk flood zone you are safe, but the truth is, flooding can occur anywhere. In fact, more than 20% of flood claims every year come from properties that were not in high-risk areas.
  • When soil, drains, and pipes can no longer carry away excess rainwater, floods occur. Flash floods can occur when large amounts of water fall in a short amount of time. Find out if you live in a flood zone and what your property’s susceptibility to flooding may be. You can check this Flood Hazard Map to assess your risks.


  • In the event of property damage or loss in your home, you don’t want to be left trying to remember all the items you own. Having an up to date home inventory is the best way to ensure you will receive compensation from insurance for all your possessions.
  • Protection of your possessions is often an overlooked area when it comes to flooding and insurance. Your standard policy may be limited so extra coverage for anything of personal value or worth may be worth adding.


  • After a disaster the most immediate documents you may need are those identifying yourself and your household members. You will also likely need access to medical information and insurance providers.
  • Create digital copies of important documents. Keep paper copies in a safety deposit box or in a waterproof container.

Heavy rainfall can cause some serious damage. The best protection is preparation and taking proper precautions and measures when flooding is predicted in the area you live.


Related Blog Posts:

What Should I do if My Home Floods?

Prevent Water Damage Today with This Checklist

Tips for Storm Damage Prevention

Top 3 Things to Do Now to Prepare for an Emergency

Things to Remember in the Aftermath of a Disaster

Possible Natural Disasters for Our Area

Protect These Documents from Flooding

Stay Safe During a Flood


Additional References & Resources:


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