Understanding Flood Preparedness

In 2016, the United States faced an unprecedented year, with floods causing immense damage in places such as Louisiana, West Virginia, Texas, and Maryland. The financial toll reached billions. Similarly, in Canada, flooding has led to massive costs, making up nearly half of all natural disaster expenses.

Flooding is the most frequent and costly natural disaster in the U.S., according to national reports. Data indicates federal flood insurance claims hit $1.9 billion annually from 2006 to 2015. In 2016 alone, four major disasters related to flooding and hurricanes are expected to exceed $1 billion each.

Ignoring the threat of floods can be a perilous gamble. It's essential to understand the power of floodwaters and the potential risks they pose. Adequate knowledge and preparation can significantly reduce harm to individuals and property.

1. Assess Flood Risk

Evaluate your area's vulnerability by examining flood maps and understanding the elevation of your home and common travel routes. Utilize resources from local emergency management offices and your property insurance provider to get this information. Websites from federal emergency agencies can also help in identifying your property's flood zone status. Even if your home isn't officially listed in a flood zone, consider purchasing flood insurance, especially if you live near levees, dams, or reservoirs.

2. Review Insurance Plans

Annually review and update your insurance coverage to ensure it reflects current property valuations and improvements. Standard insurance doesn’t usually cover flood damage, so obtaining a separate flood insurance policy is crucial. In hurricane-prone regions, understand the distinction between water damage caused by structural failures versus overflow from natural water sources.

3. Maintain Preparedness

Assemble a disaster supply kit, including essentials like a flashlight, batteries, a radio, first aid items, medications, non-perishable food, water, extra clothing, cash, and vital documents. If you're in a flood-prone locale, have materials like plywood, sandbags, and protective clothing readily available. It's smart to digitize important documents or store them securely offsite.

4. Plan Evacuations

Formulate and drill an evacuation plan, familiarizing your family with routes and protocols. Regularly test your plan, especially before flood seasons, and ensure your supply kit is accessible. Community associations should communicate evacuation strategies and preparedness tips to residents. Effective communication systems can help keep everyone informed during an emergency.

Avoid Floodwaters

Floodwaters, even at shallow depths, can be treacherous. They are powerful enough to displace vehicles and people. Never attempt to traverse flooded areas.

Seek Elevated Locations

During a flood, make your way to higher ground. If in a stalled vehicle, leave it and move to a safer area.

Stay Informed

Use radios and mobile apps for real-time weather and emergency updates. Keeping informed is critical.

Steer Clear of Electrical Hazards

Avoid contact with any downed power lines or submerged electrical appliances, which can be deadly when wet.

Wait for Clearance to Return

Only return to your home when authorities have deemed it safe. Your safety comes first.

Inspect Home Carefully

Before entering, verify that there’s no damage to power and gas lines. Watch your step for hazardous debris like broken glass or nails, and be mindful of any wildlife brought in by the flood.

Drive Safely

Be cautious, as flood-damaged roads might be structurally unsound. Respect all barricades.

Thoroughly Clean and Evaluate

When cleaning, protect yourself with gloves and boots. Discard food and water potentially contaminated by floodwaters. Immediate drying and mold prevention measures should be taken if possible. Professional services may assist if necessary.

Minimize Future Risks

Promptly repair any damage to waste management systems to prevent health hazards. Consult with qualified professionals for repairs. Your property management may provide a directory of trusted service providers.

Engage with Your Insurance Provider

Document all damage meticulously and contact your insurance company immediately. Community associations should leverage their property managers for efficient claims processing.

Flooding represents a severe challenge, but preparation, informed action, and timely response can mitigate its impact. For more insights into preparing for floods, explore the resources provided by various national and regional organizations in both the United States and Canada.