Flood Preparedness Tips

Flood Preparedness Tips: What to do Before, During and After a Flood

Nobody can stop a force as fearsome as a flood. Floods damage or destroy more homes than any other natural disaster – to the tune of about $34 billion in U.S. property damage just in the five-year span of 2011 through 2015.

But if you know how to prepare for a flood and what to do after a flood happens, you may be able to mitigate some of its damage. Here are some flood preparedness and safety tips:

What to do before a flood:

To help reduce flood damage:

  • Install backflow valves or standpipes to prevent sewer lines from backing up.
  • Elevate your washer, dryer, water heater, oil tank, furnace and electrical wiring on concrete blocks. If you're unable to raise an item, anchor it and protect it with a floodwall or shield.
  • Install a sump pump system if you have below-grade floors.
  • Landscape with plants and vegetation that resist soil erosion.
  • Store any irreplaceable family items and important documents somewhere other than the basement.
  • Install a flood-detection device in your basement that sounds an alarm or calls your phone if it senses water.

What to do during a flood:

A flood can be scary, but try to stay calm. The most important thing is to keep your family safe, but if you have time:

  • Turn off utilities at the main power switch.
  • Move valuables, important papers and clothing to upper floors. If you have only one floor, put items on upper shelves, tables or countertops.
  • Sanitize your bathtub and sinks – and fill them with fresh, clean water in case the water supply becomes contaminated.
  • If you feel threatened by rising water, leave your home or move to upper floors.
  • Never try to drive through a flood. Six inches of water can cause loss of control and possible stalling.
  • If you're in your car when the water begins to rise quickly, abandon it and move to higher ground.
  • Don't walk through flood areas. Just 6 inches of water is enough to sweep you away.
  • Stay away from downed power lines.

What to do after a flood:

After emergency officials have given permission to re-enter your home:

  • Check for structural damage before going inside.
  • If it’s dark, use a flashlight – not matches, a candle or a lighter.
  • Listen for reports to know when drinking water is safe again.
  • Don’t turn your power on until an electrician has inspected your system.
  • Use your cell phone or other camera to photograph damage, which can help get your claim started sooner.
  • Take inventory of damaged or destroyed items – again, to expedite your claim.
  • Report your claim to your insurance agent or company as soon as possible.
  • Begin initial cleanup as soon as waters recede, separating damaged from undamaged items.
  • Clean and disinfect everything that got wet.
  • When cleaning, wear a mask, gloves and coveralls to minimize exposure to possible hazardous materials.
  • Mold can be a hazardous result from a flood. Consider a professional service that specializes in post-flood cleanup.
  • Once you’ve gathered documentation about your damage and your insurance coverage, contact your insurance company or agent.

Look into flood insurance:

Standard homeowners insurance generally does not cover damage caused by a flood. So it’s a good idea to consider protecting yourself with a flood insurance policy. Contact us to learn more about flood insurance.


for all your insurance needs!

Partner Carriers

  • Assurant
  • bristol-west
  • Employers
  • Foremost
  • Liberty Mutual
  • Nationwide
  • progressive
  • Safeco
  • Texas Fair
  • Texas Mutual
  • Texas Windstorm
  • the-hartford
  • Travelers
  • Utica