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Insurance and floods



  Flood Insurance With the permission of iii.org

Floods occur in each region and 90 percent of all natural disasters in the United States involve some form of flooding. Minimize the damage and losses from a flood by taking these precautions.


Understanding flood guards and flood warnings

There are different flood warnings, depending on the type and immediacy of the potential risk. Educate your family and yourself about flood warnings in your community:

  • Flood guards are issued when rain is heavy enough to cause rivers to overflow.
  • Flood Warnings describe the severity of the situation and indicate when and where the flood will begin.
  • Flash flood watch is issued when heavy rain occurs or is expected to occur.
  • Flash flood warnings are issued when floods occur suddenly. In case of rapid flooding in your area, move immediately to high ground.

Take Practical Measures to Protect Yourself, Your Family, and Your Property

Preparedness is extremely important when it comes to encroaching on flood waters. Here are precautions to take long before the threat of a flood is upon you.

  • Maintain a range of emergency measures such as flashlights, batteries, a battery-powered radio, a first aid kit, medication, sturdy shoes, emergency food and water, cash and credit cards.
  • Maintain a supply of building materials and tools so you can fortify your house from a storm. These would include plywood, plastic wrap, nails, hammers, shovels and sandbags.
  • Make an inventory in the home that lists all your belongings to facilitate the claim process if your belongings are damaged or destroyed.
  • Find switches for gas, electricity and water and know how to turn them off. In the event of an evacuation, you want to turn them off before you leave.

For more emergency preparedness tips, handy checklists (including ones you can customize yourself) and evacuation planning tips to cover a variety of disasters, visit III's Know Your Plan app. It's a great tool to help you and your family ̵

1; including pets – stay organized and ready to act faster in the event of an emergency.

Next step link: Do you think you need financial protection against flood damage? Read these facts about flood insurance.


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