Protect your home, family from flooding
Flooding is a natural disaster that often strikes with little, if any, warning. The environmental awareness site Natural Rivers says floods are the most common natural hazard in North America in terms of number of lives lost and property damage. Floods can occur day or night, any time of the year, in all terrains.
Flooding can cause considerable distress, uproot families and damage structures. But even people who live in flood zones can take steps to be flood-safe.
▪ Purchase flood insurance. Many people and properties are not covered for flooding under standard homeowners insurance policies. As a result, it is essential to purchase separate flood insurance. The home improvement and information site HouseLogic says flood insurance may be required by mortgage companies for those financing homes in flood plains.
▪ Have a “go bag” ready. This is a great idea in preparation for any type of emergency situation. Go bags can include a few changes of clothes, important documents and phone numbers, essential toiletries, extra cash, and nonperishable foods. You may want to stock go bags with flashlights, batteries and waterproof shoes as well. Evacuate if a severe flood is predicted.
▪ Know your flood level. Check flood maps at the Federal Emergency Management Agency’s website (FEMA.gov) or your local building department. This will help you know just how high the water might rise in certain scenarios so you can plan accordingly.
▪ Safeguard key home systems. Protect sockets, switches, breakers, and wiring by placing them at least 1 foot above the expected flood level in your area, offers the Insurance Institute for Business & Home Safety. Move the furnace, water heater and any other key appliances so they sit above the property’s flood level.
▪ Vent the water. Foundation vents, sump pumps, drains, and more can help keep water from accumulating in or around the foundation of a home.
▪ Consider a grading change. The slope of ground can be adjusted to direct water away from your home. If your street is prone to standing water after ordinary rainstorms, talk to your county planning or environmental services department about potential modifications.
▪ Prepare for the worst. Home piers or columns can lift the lowest floor of a home above flood level. It’s an expensive undertaking but can be worth it in high-flood areas.
— Metro Creative