Flash Flood Safety and Damage Prevention Guide

While many homeowners might be more worried about the risk of fire, which is also a very dangerous and serious concern, your home might actually be at a higher risk for damage from water than flames.

Flooding is the number one natural disaster occurrence in the United States. In fact, all 50 states have experienced some form of flooding. Water damage to your property can come from moisture or flooding due to weather or phenomena such as storms, landslides, flash floods, levee breakages and coastal storm surges.

No matter where you live, flooding is always a possibility due to heavy rains, melting snow and rising water levels of local rivers, lakes or coastlines. While all homeowners should be aware of the impact of flooding on their homes, those living in a higher-risk flood zone should be especially aware of the risks, hazards and damage prevention techniques.

Even though Mother Nature often plays by her own rules, there are actions you can take to diminish or even altogether prevent water damage to your home. This guide will give you a few basic tips for protecting your home before, during and after a flood.

Protecting Your Property Before a Flood

While homeowners need to be prepared to protect their property from devastating flood damage, understanding how to handle flooding is about much more than prevention. It’s also about making sure your family is safe during a flood and learning how to safely clean up after one.

As a homeowner, you have a lot to protect your property from — fire, intruders, pests — that flooding may be on the bottom of your list. Perhaps you don’t see floods in your area often or at all. Lack of foresight catches many people off-guard: simply not knowing there was a risk to begin with, and therefore, not planning. Here are several tips to protect your home before a flood sweeps through, from assessing the risks to reinforcing your property:

• Assess your risk: One of the first things you should do to prepare for a flood is to assess your risk. Understanding the potentials and possibilities will drive every decision you make about flood protection. Find out your neighborhood and home’s flood zone risk using this guide from FEMA.
• Understand your insurance policy: Once you’re confident you understand your level of risk, the next step — and one of the most important ones — is to examine your homeowner’s insurance policy. Take a close look at it to make sure it covers flood damage; if you aren’t sure, talk to your agent for clarification. Some policies don’t address floods, flash floods or water at all, while others may only cover certain situations or types of water damage. Talk with your insurance provider to find out what you have and what your options for increasing your coverage are.
• Elevate your equipment: Take the time to have a professional come and lift your furnace, water heater, air conditioner, generators and other permanent equipment higher than the predicted flood levels.
• Practice good water habits: While floods can come from the outside, they can also start right in your own home. Schedule regular inspections of your sump pumps, drains, wells, pipes, septic tanks and other equipment that moves or holds water.
• Prep materials: Keep sandbags on hand to help divert water and landslides. Keep a few building materials on hand to board up your home or to make quick fixes after a water event, such as plywood, plastic sheeting, lumber, nails and shovels.
• Practice makes perfect: Plan and rehearse your evacuation route — and don’t forget to include your four-legged family members. Make sure all family members know how to shut off utilities. Designate a meet-up spot in case you become separated. Pack an emergency kit with important paperwork, medications and essential items in case you need to leave your home quickly. It’s also important that you learn to recognize the flood alert signals in your area.

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