Flood Disaster Preparedness

***Flood is NOT covered under your homeowners
or commercial property insurance***


  • Flood Disaster PreparednessPrepare an emergency kit and make a family communications plan. (Click Here)
  • Avoid building in floodplains unless structure is elevated and reinforced.
  • Elevate the furnace, water heater and electric panel.
  • Consider installing "check valves" to prevent floodwater back ups.
  • Construct barriers to stop floodwater from entering the building and seal walls in basements with waterproofing compounds.




  • Six inches of water will stall or cause control issues in most passenger vehicles.
  • A foot of water will float many passenger vehicles.
  • Two feet of rushing water can carry away most passenger vehicles including SUV’s and pick-ups.
  • Never attempt to drive through a flooded road, depth is not always obvious and the roadbed may be washed away under the surface.
  • Do not drive around barricades.
  • Do not try to take short cuts and stick to designated evacuation routes.
  • Avoid driving at night when it is harder to recognize flood dangers.

Floodsmart.gov                    http://www.ready.gov/floods

The National Flood Program defines a flood as a general and temporary condition of partial or complete inudation of normally dry land areas from overflow of inland or tidal waters or from the unusual and rapid accumulation of runoff of surface waters from any source.
Flood losses are not typically covered under renter and homeowner’s insurance policies.

Typically, there's a 30-day waiting period from date of purchase before your policy goes into effect. That means now is the best time to buy flood insurance.

Hurricane Sandy "Superstorm Sandy" was the most destructive hurricane of the 2012 hurricane season, as well as the second-costliest hurricane in United States history. At least 286 people were killed along the path of the storm in seven countries.

In the United States, Hurricane Sandy affected 24 states, with particularly severe damage in New Jersey and New York. Its storm surge hit New York City on October 29, flooding streets, tunnels and subway lines and cutting power in and around the city.  Damage in the United States amounted to $65 billion (2013 USD).

The insurance premiums are determined, in part, by where your home stands relative to that base. The higher you go, of course, the less you pay. Consider a single-family home in a zone with a moderate to high risk of a flood, that has a flood policy with $250,000 of coverage: if the home is four feet below the base flood elevation, the homeowner would pay an annual premium of about $9,500, according to FEMA.

Just because you haven't experienced a flood in the past, doesn't mean you won't in the future.

  • Flood insurance is available in most communities through insurance agents.
  • Flood insurance is available whether the building is in or out of an identified flood-prone area.
  • Talk to your insurance provider about your policy and determine if you need additional coverage.
  • If you must prepare to evacuate, you should do the following:
  • Secure your home. If you have time, bring in outdoor furniture. Move essential items to an upper floor.
  • Turn off utilities at the main switches or valves if instructed to do so. Disconnect electrical appliances. Do not touch electrical equipment if you are wet or standing in water.
  • Having an emergency plan ready for your family, your pets, and farm animals, can save valuable time when time is short and the water is rising.
  • Evacuate your family and pets as early as you can along with, food, meds, water, leashes, and pets’ carrying cases.
  • Make sure your animals are wearing collars and ID; take their vaccination papers and a photo in case you become separated and need to identify your pet if it is rescued to a shelter.Following a disaster, keep your pets on a leash. Stock extra pet supplies in your car.
  • Never leave children or pets home alone during a flood watch or warning. If water rises too fast you may not be able to get back to them.
  • Shut off all electrical breakers and close gas and water valves.

During the Flood

  • Stay tuned to emergency channels and heed instructions. If you are in a flood watch area, never leave your children pets at home alone. Disasters can change quickly and you may not be able to get back home to them.
  • If you must leave your pet to evacuate, plan ahead to leave them with a neighbor, relative or friend who can care for them during the flood.

After the Flood

  • Use caution when returning home and walking on higher ground. Snakes, insects and other animals may have found refuge there.
  • Be cautious about letting children or pets play in or drink ground water. Water may be contaminated.
  • Be cautious about all food, which may have spoiled when electricity was interrupted.
  • Watch for objects that could cause injury or harm to your children or pets.
  • Keep children and pets away from downed power lines and debris.