Floods are among the most common and costly natural disasters in the United States, often resulting from heavy rains, hurricanes, or rapid snowmelt. While flooding can occur at any time, spring and late summer through fall are typically the highest-risk periods due to snowmelt and hurricane activity. Even areas not traditionally considered flood-prone can be at risk. Flooding can cause significant property damage, disrupt lives and businesses, and pose serious safety risks. Being prepared and informed can make all the difference.

Be Prepared
  • Know Your Risk: Use FEMA’s Flood Map Service Center to determine whether your home or business is in a flood zone.
  • Protect Important Documents: Store critical records, insurance policies, and identification in waterproof containers or digital backups.
  • Prepare Your Property: Install sump pumps, elevate critical utilities, and consider barriers or landscaping solutions to direct water away from structures. Guidance is available at Ready.gov.
  • Secure Proper Insurance: Most homeowners’ policies do not cover flood damage. Consider purchasing flood insurance through the National Flood Insurance Program (NFIP) or speak with your World advisor to explore your options.
Be Safe
  • Heed Warnings: Sign up for local alerts and stay informed about flood watches and warnings. Evacuate immediately if advised to do so by the authorities.
  • Avoid Water: Never walk, swim, or drive through floodwaters. Just six inches of moving water can knock over an adult, and one foot can sweep a car away.
  • Turn Off Utilities: If flooding is imminent, and it’s safe to do so, turn off gas and electricity to prevent hazards.
Get Help
  • Document Damages: Take photos or videos of your property and belongings before cleaning up to document any damage. This will assist with insurance claims.
  • Start the Claims Process: Use World’s claims page to begin your flood damage claim and get connected to expert assistance.
  • Seek Aid: Access flood recovery resources and support from the American Red Cross to assist in rebuilding and recovery.