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Top 10 Tips for Flood Safety

Updated: Jun 21, 2023

Flooded Living Room

As we enter what forecasters are calling another above-average hurricane season, it’s important that home and business owners are prepared for potentially dangerous and costly flood damage. Now, during the early months of hurricane season, is the time for property owners to take any steps they can to protect their properties against flooding.

While this year’s flood season may not be as dangerous as last year’s, significant flooding will be an issue for many people within the country according to the National Weather Service. In fact, the 2021 forecast places 128 million people in the U.S. at risk of flooding, with 1.2 million of those at risk of major flooding – a significant figure that could leave many homeowners with damages they were not prepared for.

With a few named storms already on the books for 2021, follow these 10 tips to keep your property safe:

  1. Understand your flood risk: Seek the opinion of a flood specialist to better understand your flood risk. A good flood specialist, in particular those representing the private flood insurance market, will examine not just your flood zone, but look at your property’s flood risk on a more granular level using the latest technology and historical data.

  2. Sign up for weather alerts: Ensure your cell phone is connected to an emergency alert system.

  3. Follow the forecast: If your forecast is calling for a hurricane or flooding, keep a close eye on the National Weather Service and local weather broadcasts. Stick to credible sources for updates, rather than simply relying on social media.

  4. Secure your home: Make sure any large outdoor furniture pieces or equipment are properly secured and that windows and doors are closed. Smaller outdoor items such as toys or sports equipment, should be moved inside so they do not wash away as water levels rise.

  5. Charge devices: Plan for power outages by charging cell phones and other relevant electronics.

  6. Draft an evacuation plan: Make sure you and your family are ready with an evacuation plan that includes an evacuation route and a plan for pets.

  7. Stock up: Build a kit of emergency supplies, including water, flashlights, batteries, a first-aid kit, nonperishable foods and enough medical supplies to last your family a few days.

  8. Protect important documents and medicines: Collect critical documents, prescriptions and other important medicines and secure them in water-tight containers.

  9. Take inventory: Take photographs of your personal items and make sure everything is accounted for. This way, in the aftermath of a storm, you will be able to promptly share what has been lost or damaged and take the necessary steps to recover from the damages.

  10. Get flood insurance: Even if you follow the steps above, a powerful storm and the flooding that may come with it can wreak havoc on your home. Keep in mind that most homeowners insurance policies do not cover damage caused by floods. By understanding your options when it comes to flood insurance and securing a comprehensive, quality flood policy, you can have peace of mind that your home has the coverage you need should the worst happen.

As hurricane season marches on, many people around the country will encounter significant flooding. Stay smart and stay safe by taking action now.


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