To understand flood insurance, you need to know what the definition of flood is and as defined by ready.gov, flooding is a temporary overflowing of water onto land that is normally dry. Flooding may happen with only a few inches of water, or it may cover a house to the rooftop. There are many possible causes of floods including heavy rain or snow melt, coastal storms and storm surge, waterway overflow from being blocked with debris or ice or overflow of levees, dams, or waste water systems. Flooding can occur slowly over many days or happen very quickly with little or no warning, called flash floods (Ready.gov).
Many of us may think that a flood will never happen to me and besides I don’t live in a flood zone, so why do I need to worry. The truth is we all live in a flood zone. There are different types of risks which get divided up into zones. These zones have been laid out by FEMA or the Federal Emergency Management Agency and can be found on their web page, www.fema.gov. Now, regardless to where you live you may want to consider flood insurance since more than 20 percent of flood claims happen outside a high-risk flood zone. Flooding is the most common natural disaster in the United States and it affects all of us (FEMA.gov, n.d.). Typically, this is not something that is covered on your home, renters, or landlord policies and must be purchased separately.
For more information please contact our agency or click on one of the links below:
Home Emergency & Disaster Safety
Create Your Family’s Plan
Flood-Proof Landscaping: Protect Your Home and Property
Flash Flooding: How to Survive Flash Floods in Your Car
Food Safety Before, During And After A Power Outage http://disasterpreparednesscourse.com/disaster-preparedness-topics/disaster-preparedness/food-safety-before-during-after-a-power-outage-infographic/
Steps to Reduce Flood and Water Damage
Above Links provided by Melanie Nelson
Learn more about Melanie at:
Emergency Preparedness Storage Guide
Provided by BSA Troop 325