SEATTLE, Wash. -- The Federal Emergency Management Agency (FEMA) is pleased to support the National Oceanic and Atmospheric Administration (NOAA)-sponsored 2010 National Flood Safety Awareness Week, observed March 15-19 (http://www.floodsafety.noaa.gov/). Flooding is a coast to coast threat in the United States and its territories in all months of the year, irrespective of local "flood seasons." According to FEMA Acting Regional Administrator Dennis Hunsinger, flooding is the nation's number one natural disaster.
"We learn time and time again that you just don't need to live in a mapped floodplain to need flood insurance, and it just doesn’t pay to quibble over what side of a line on a flood map one lives on," said Hunsinger. "The fact is- twenty to 25 percent of all flood insurance claims are filed in low-to-moderate flood-risk areas where flood insurance premiums can be a real bargain."
Property owners and renters need to know that they can take steps to protect their property and financial security before disaster strikes. However, many eligible residents are unaware that they qualify or that affordable flood insurance is available. Residents can begin to take steps now to protect their home and assets from rising floodwaters at any time.
- Make sure gutters and drains are cleared. Clean and maintain storm drains and gutters and remove debris from your property to allow free flow of potential floodwater.
- Move valuables and sentimental items to the highest floor of your home or business.
- Install backflow valves in waste lines to keep water flowing in one direction.
- Protect your well from contamination.
- Anchor or elevate fuel tanks and elevate the main breaker or fuse box and the utility meters above the anticipated flood level in your home or business, so that floodwater won’t damage utilities.
- Make sure you have the right insurance: Review your insurance policies and find out what they do and do not cover. Learn the difference between replacement cost coverage versus standard coverage, which only pays the actual cash value of insured property. Be sure that you have enough insurance to cover recent home renovations or improvements.
- Know that most homeowners insurance policies do not cover flood damage, so be sure to consider flood insurance for both your structure and its contents. There is typically a 30 day waiting period for a flood insurance policy to take effect. Learn more by visiting FloodSmart.gov and www.Fema.gov.
- Learn your flood risk. Properties that are not located within high-risk areas can also flood. Find out your flood risk right now by entering your address at FloodSmart.gov “Assess Your Risk.” Insurance agents can also help check your risk.
- Purchase a flood insurance policy. If you already have a flood policy, remember: your policy needs to be renewed each year.
- Plan and practice a flood evacuation route, ask someone out of state to be your “family contact” in an emergency, and make sure everyone knows the contact’s address and phone number.
- Build an emergency supply kit: Food, bottled water, first aid supplies, medicines, and a battery-operated radio should be ready to go when you are. Visit www.ready.gov for a complete disaster supply checklist.
- Inventory your household possessions: For insurance purposes, be sure to keep a written and visual (i.e., videotaped or photographed) record of all major household items and valuables, even those stored in basements, attics or garages. Create files that include serial numbers and store receipts for major appliances and electronics. Have jewelry and artwork appraised. These documents are cr...