Floods can occur anywhere and certain geographical areas are more prone to flooding than others. Essentially, no area is completely immune to flooding. Floods can devastate entire communities, so it is important to first understand the risks and different flood scenarios that could affect you. From flood maps and flood insurance rates, preparing for flooding requires research and planning to assess the risks and coordinate a response. Depending on whether you live in a high, moderate to low, or undetermined risk area, you may be required to purchase flood insurance for a home or business. Beyond this, having a personal home flood response plan is a good idea.

Remaining Aware and Protecting Yourself

Because floods are so variable, a number of catalysts can lead to flooding, even if topographic areas that don’t carry a strong flood risk. Hurricanes, overflowing levees, rapid thaws, ice jams, blocked drainages, and excessive rainfall can all lead to flooding–both large and small scale. Weather patterns and ongoing climate change plays a big role in the occurrence and severity of flooding. One of the first ways to prepare for flooding is by looking into the National Flood Insurance Program in your area. This is a federal program that offers flood insurance to participating communities. For high risk flood areas, tacking on additional flood insurance to your policy is practically obligatory. Most lenders will require purchase of additional flood insurance in areas prone to flooding, while moderate to low risk areas will not usually mandate this type of coverage, it may be good to have.

Planning for Recovery

Ultimately, flood planning or disaster planning in general comes down to initiating a recovery. This most likely entails coordinating with local officials and a disaster response team, as well as working to restore the damage to your own property. This may involve sandbagging affected areas to shore up water, removing wet furniture and belongings and contacting your insurance company. Having a good idea of what you need to do in the aftermath of a flood will help you more quickly document and begin restoration of the affected areas. Fully recovering from a flood takes time and no matter how much pre-planning you do, you will never be completely prepared to address the event mentally and emotionally. The important thing is to make sure you have a support system in place to begin the recovery process immediately.

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