Flood Safety: How to Protect Your Family and Home

Floods are the most common and costly natural disasters in the United States, and they can occur almost anywhere, often with little to no warning. Whether you live near a river, on the coast, or in a suburban neighborhood, heavy rain and storms can put your family and home at risk.

When a flood hits, the choices you make beforehand can make all the difference. Here’s how to stay prepared and keep what matters most safe.

Before a Flood: Prepare and Plan

1.Know Your Risk

Check if you live in a flood-prone area. Sign up for local weather alerts so you get notified early.

2.Have an Emergency Kit

Stock up on bottled water, non-perishable food, flashlights, batteries, first aid supplies, important documents, and any necessary medications.

3.Protect Your Home

• Keep gutters clear
• Elevate electrical appliances if you’re in a high-risk area
• Store valuables on higher floors
• Consider installing sump pumps or backflow valves

4. Review Your Insurance

Many homeowners are surprised to learn that standard homeowners’ insurance does not cover flood damage. Double-check your policy and ask your agent if you need separate flood insurance.

During a Flood: Stay Safe

1.Listen to Authorities

If local officials tell you to evacuate, do so immediately. Don’t wait — rising water can cut off escape routes fast.

2.Avoid Floodwater
Never walk, swim, or drive through floodwaters. Just six inches of moving water can knock you off your feet, and one foot can sweep your car away.

3.Stay Connected
Keep your phone charged. Use battery-powered radios to monitor updates if the power goes out.

After a Flood: Take Care

1.Wait Until It’s Safe

Only return home when local officials say it’s safe. Watch out for hidden dangers like downed power lines and contaminated water.

2.Document Damage

Take photos or videos of any damage for insurance claims.

3.Stay Healthy
Wear protective clothing during cleanup. Floodwater can contain harmful bacteria and debris

Peace of Mind Starts with Preparation

No one can control the weather, but you can take steps now to protect your family, property, and finances from the unexpected.

At Klinger Insurance Group, we help homeowners stay prepared with the right flood coverage and safety advice.

Call us today at 301-428-4935 to review your insurance options and get the peace of mind you deserve — rain or shine.

Stay safe and stay ready!