Did you know that on average, flooding causes more property damage in the United States than any other weather related event? Yup, that means more than tornadoes, hurricanes, lightning and wind. Freshwater floods cause an average of 89 fatalities and $8.3 billion in damage. 53% of flood-related fatalities were vehicle related in 2013. 6 inches of water in a 2000 sq. ft. single story home can cause nearly $40,000 in damages. How much damage would 6 inches of water cause in your home? Get an estimate using FEMA’s Flood Cost Calculator.
National Flood Safety Awareness Week highlights how important it is to prepare for a flood before it strikes and to know how to deal with a flooding situation. We will help you understand the difference between a flood watch and flood warning and also tell you things you should have prepared before a flood hits.
What is the difference between a Flood Watch and a Flood Warning issued by the National Weather Service?
Flash Flood Warning: Take Action! A Flash Flood Warning is issued when a flash flood is imminent or occurring. If you are in a flood prone area move immediately to high ground. A flash flood is a sudden violent flood that can take from minutes to hours to develop.
Flood Warning: Take Action! A Flood Warning is issued when the hazardous weather event is imminent or already happening. A Flood Warning is issued when flooding is imminent or occurring.
Flood Watch: Be Prepared: A Flood Watch is issued when conditions are favorable for flooding. It does not mean flooding will occur, but it is possible.
Flood Advisory: Be Aware: A Flood Advisory is issued when flooding is not expected to be bad enough to issue a warning. However, it may cause significant inconvenience, and if caution is not exercised, it could lead to situations that may threaten life and/or property.
What should you have prepared before a flood happens?
- Create a Communications Plan- It is very important to communicate with your family and friends in the event of a disaster. Having a safe location to meet up with people is also a good idea.
- Assemble an Emergency Kit- You should have enough food, water and medicine to last 3 days in case of an emergency. You should also have batteries, blankets, flashlights, first aid kit, rubber boots and gloves and a battery operated radio.
- Charge Your Essential Electronics- Make sure all your cell phones and other electronics are all charged in case you lose power or need to evacuate. Also, it might be a good idea to purchase back-up batteries.
- Prepare Your Home- Sandbags and other materials can help protect your home if you have time, so have them prepared. Also, most standard homeowners insurance doesn’t cover flooding so call your agent and make sure your home is covered.
For more information on this topic or to discuss your insurance needs, please contact us at 888.304.6678 or visit our virtual insurance office.