Flood Safety & Preparedness Guide

Flooding can happen quickly and with little warning. Being prepared and knowing what to do before, during, and after a flood can help protect your home, your family, and your finances.

This guide covers essential flood safety tips, how to prepare for a flood, and what to do in an emergency.

Flood Safety Tips Everyone Should Know

Floods are one of the most common natural disasters. Taking simple precautions can make a big difference.

• Know your flood risk and local conditions

• Stay informed during storms and severe weather

• Never walk or drive through floodwaters

• Keep emergency supplies ready

• Have a plan for your family

Understanding your risk is the first step: Find Your Flood Zone

How to Prepare for a Flood

Preparation can reduce damage and help you act quickly when flooding occurs.

Know Your Risk

Flooding can happen in high-risk and low-risk areas alike. Review local flood maps and past flooding events.

Learn more about how flooding works: Flooding Explained: Causes, Types & Risks

Protect Your Home Before a Flood

• Move valuables and electronics to higher levels

• Install check valves to prevent water backup

• Seal basement walls and foundations

• Clear gutters and drains

• Consider flood barriers or sandbags

• Learn how to buy flood insurance

Stay Informed

• Sign up for local emergency alerts

• Monitor weather updates

• Use emergency apps for real-time information

Build a Flood Emergency Kit

A flood can disrupt access to power, water, and supplies. Your emergency kit should last at least 72 hours.

Include:

• Water (one gallon per person per day)

• Non-perishable food

• Flashlights and batteries

• First aid kit and medications

• Important documents (ID, insurance, contacts)

• Hygiene items and clothing

Keeping this kit ready can help you respond quickly during an emergency.

Create a Flood Evacuation Plan

Floods can force you to leave your home with little notice.

Plan Ahead:

• Identify evacuation routes

• Choose a meeting place for your family

• Keep your vehicle fueled and ready

• Plan for pets and special needs

• Practice your evacuation plan

Having a clear plan helps reduce stress and confusion during emergencies.

What to Do During a Flood

Floodwaters can rise quickly and become dangerous.

Stay Safe:

• Move to higher ground immediately

• Avoid floodwater — it may be contaminated or electrically charged

• Do not drive through flooded roads

• Follow instructions from local officials

• Be ready to evacuate if advised

Even a small amount of moving water can be life-threatening.

What to Do After a Flood

Returning home after a flood requires caution.

Take These Steps:

• Wait for official clearance before returning

• Check for structural damage

• Turn off electricity if water is present

• Avoid contact with floodwater

• Document damage for your flood insurance claim

Floodwaters may contain debris, chemicals, and bacteria.

Protect Your Home and Finances

Flood damage can be expensive, and most standard homeowners insurance policies do not cover flooding.

Even a small amount of water can lead to costly repairs, damaged belongings, and unexpected out-of-pocket expenses.

Flood insurance helps protect your home and your finances by covering damage caused by rising water — something traditional policies leave out.

Stay Safe and Be Prepared

Flood safety starts with preparation and awareness. By understanding your risk and having a plan in place, you can better protect your home and your family.

To learn more about how flooding happens and who is most at risk, visit: Flooding Explained: Causes, Types & Risks 

Ready to Protect Your Home?

Compare your flood insurance options in minutes and see what coverage is available for your property.

Get a Flood Quote