A flood can occur without warning. While there is nothing you can do to stop this catastrophic event from happening, you can take measures to protect yourself. Learn how to create a flood preparedness plan now, so that you are ready for whatever might come your way.

Flood Insurance

Ensure you have flood insurance to protect your home. If you have homeowner's insurance, this factor alone does not mean that you are protected from a flood. A flood insurance addition can offer you protection for any repairs for your home, in terms of structural damage, as well as the replacement or repair of any of your household belongings. 

Flood Zone

Learn whether or not you live in a flood zone. If your neighborhood is a designated flood zone, this label means that your home is at an elevated risk for flooding. FEMA's or your local government's website should be able to provide you with information about your specific area. Keep in mind, just because you don't live in a flood zone, it does not mean your home is not at risk of water infiltration.

Evacuation Kit

Every home should have an evacuation kit. An evacuation kit is a waterproof container that you can store all your hard to replace valuables and other documents inside, such as your birth certificate. The purpose of this kit is to keep all your pertinent information together in one spot so that in the event you need to leave your home quickly, you have everything located in a central location. 

Exit Plan

Sit down and draft an exit plan for your family. A large part of this step involves knowing the community around you. For example, if you live near a large body of water that places your home at an elevated risk for flooding, make sure you know which routes are best to get your family to safety quickly. Keep in mind, that you may need to make changes to your plan periodically. 

Supplies

In some instances, you may not be able to exit your home in the event of a flood. Make sure you keep a supply kit on hand at all times. A supply kit should include the necessary provisions for all the members of your family, including any pets, for a few days. Bottled water, canned goods, and flashlights are just some of the items you should include in the kit. 

The more you work now to protect yourself, the better your family will come out on the other side of a disaster. Contact an agent today to ensure you have your home protected and for other preparation tips. Companies like Amberg Insurance Center Inc can help with your other insurance questions.