How Do I Create a Home Emergency Plan for Flood Events?

Begin by writing down critical information that every family member can access. This list should include emergency phone numbers for local police, fire departments, and your utility companies. Also document your family's doctors, insurance policy details, and a trusted out-of-town contact person. Keep a paper copy in your emergency kit, as digital services may fail during a widespread flood event.

Review your homeowner's insurance policy to understand your coverage for flood damage. Standard policies often exclude flooding, so you may need a separate policy through the National Flood Insurance Program. Policies vary, and your insurer decides what is covered. Knowing your coverage level helps you make informed decisions about protecting valuables and planning for potential recovery costs.

Your emergency kit should sustain your household for at least three days without outside assistance. Focus on non-perishable food, one gallon of water per person per day, and a manual can opener. Include a first-aid kit, any necessary medicines, personal hygiene items, and spare batteries for flashlights and radios. Remember to pack supplies for pets if you have them.

Store these items in a sturdy, waterproof container that is easy to carry, like a duffel bag or a plastic bin with a tight lid. Keep the kit in an accessible location known to all adults. Check and refresh the contents every six months, replacing expired food and water to ensure everything is ready when you need it.

• Three-day supply of non-perishable food and water
• First-aid kit and a seven-day supply of any necessary medicines
• Battery-powered or hand-crank radio and NOAA weather radio
• Flashlights with extra batteries and a multi-purpose tool
• Personal documents in a waterproof bag
• Sanitation supplies like moist towelettes and garbage bags

A plan is only effective if everyone knows it. Conduct a family drill every six months, walking through evacuation routes from different rooms in the house. Time how long it takes to grab your emergency kit and get to your meeting spot. Use these drills to identify obstacles, like a blocked window or a missing flashlight, and update your plan accordingly.

Revisit and update your entire emergency plan at least once a year. Update contact information, refresh your supply kit, and adjust for any changes in your household or home layout. Staying prepared is an ongoing process. If flooding does cause damage, knowing where to find professional help for cleanup is the next critical step.

• Conduct evacuation drills from multiple rooms in the home
• Review and update all emergency contact information annually
• Check and refresh your supply kit every six months
• Inspect and maintain home flood-prevention devices like sump pumps
• Discuss what to do if you are advised to evacuate by authorities
• Know when to call for professional water damage restoration help