Before a Flood

Educate Yourself

After getting flood insurance, there are several things you can do to minimize losses in your home and ensure your family’s safety.

1. Safeguard your possessions.

Create a personal “flood file” containing information about all your possessions and keep it in a secure place, such as a safe deposit box or waterproof container. This file should have:

  • A copy of your insurance policies with your agent’s contact information.
  • A room-by-room inventory of your possessions, including receipts, photos, and videos.
  • Copies of all other critical documents, including finance records or receipts of major purchases.

2. Prepare your house.

  • First make sure your sump pump is working and then install a battery-operated backup, in case of a power failure. Installing a water alarm will also let you know if water is accumulating in your basement.
  • Clear debris from gutters and downspouts.
  • Anchor any fuel tanks.
  • Raise your electrical components (switches, sockets, circuit breakers, and wiring) at least 12 inches above your home’s projected flood elevation.
  • Place the furnace, water heater, washer, and dryer on cement blocks at least 12 inches above the projected flood elevation.
  • Move furniture, valuables, and important documents to a safe place.

3. Develop a family emergency plan.

  • Create a safety kit with drinking water, canned food, first aid, blankets, a radio, and a flashlight.
  • Post emergency telephone numbers by the phone and teach your children how to dial 911.
  • Plan and practice a flood evacuation route with your family. Know safe routes from home, work, and school that are on higher ground.
  • Ask an out-of-state relative or friend to be your emergency family contact.
  • Have a plan to protect your pets.