The National Flood Insurance Program aims to reduce the impact of flooding on private and public structures. It does so by providing affordable insurance to property owners and by encouraging communities to adopt and enforce floodplain management regulations. These efforts help mitigate the effects of flooding on new and improved structures. Overall, the program reduces the socio-economic impact of disasters by promoting the purchase and retention of general risk insurance, but also of flood insurance, specifically. Signup to receive email updates.
You realize your flood insurance policy is about to expire and you’re on the fence about renewing: It hasn’t flooded in your area in years (or ever). And you really could use that extra money to buy something you really want. But wait! DON’T. RISK. IT. FACT: Flooding is the most common natural disaster in the United States, affecting every region and state, including yours. FACT: Flood insurance can be the difference between recovering and being financially devastated. FACT: The damage from just one inch of water can cost more than $20,000. FACT: If you allow your flood insurance policy to lapse for either more than 90 days, or twice for any number of days, you may be required to provide an Elevation Certificate (if you don't have one), and you may no longer be eligible for policy rate discounts you might have been receiving prior to the policy lapse. It's important to talk with your insurance agent before canceling or not renewing the policy. FACT: You can file a flood claim even if there is not a Presidential Disaster Declaration. FACT: Flood damage is not typically covered by homeowners insurance. FACT: No home is completely safe from potential flooding devastation—why risk it? FACT: If you live in a high risk flood zone, and you've received federal disaster assistance in the form of grants from FEMA or low-interest disaster loans from the U.S. Small Business Administration (SBA) following a Presidential Disaster Declaration, you must maintain flood insurance in order to be considered for any future federal disaster aid. FACT: Storms are not the only cause of floods. Flooding can be caused by dams or levees breaking, new development changing how water flows above and below ground, snowmelt and much more. FACT: Too often, Americans are caught off guard by the emotional and financial costs of flood damage. Check out your state's flood history with FEMA's data visualization tool. By rolling your cursor over each county, you can see how many flooding events have happened and learn more about the cost of flooding. Flood insurance helps more: Check out your state's flood history with FEMA's interactive data visualization tool. Roll your cursor over each county to see how many flooding events have happened. The tool allows you to compare how much FEMA and the U.S. Small Business Administration have provided in terms of federal disaster aid after Presidential Disaster Declarations to the amount the National Flood Insurance program has paid to its policyholders. It's easy to see that having flood insurance provides a lot more help for recovery.
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3/26/2017 0 Comments FLOODS AND YOUR LIVESTOCKFloods can impact animal health as well as human health. Make plans for your livestock and horses in the event you will need to evacuate your farm.
Before a Flood • Maintain an inventory. □ Keep a current list of all animals on your farm. □ Include their location and any records of vaccinations, testing and ownership. • Have identification for all animals. □ Make sure animals have some form of permanent identification (e.g., ear tags, tattoos). □ Ensure animals are properly vaccinated before exposure to floodwaters. • Prepare an evacuation kit. □ Handling equipment (e.g., halters, nose leads) □ Water, feed, and buckets □ Medications □ Tools and supplies needed for manure cleanup □ Safety and emergency items for your vehicles and trailers □ Gas powered generators • Make evacuation arrangements. □ Determine possible evacuation areas – higher elevation, alternate production facilities (e.g., temporary milking parlors). □ Determine several routes to these locations. □ Identify alternate water or power sources. □ Locate and prearrange feed and water delivery, needed equipment (e.g., milking) and services (e.g., milk pickup). □ Have well maintained backup generators for livestock production operations. □ Make transport arrangements (e.g., trucks, trailers) with experienced handlers and drivers. □ Condition animals to being loaded and transported. • Ensure a safe environment. □ Assess the stability and safety of barns and other structures. □ Remove dead trees or objects from fields or livestock areas that may serve as potential debris during a flood situation. During a Flood • Be aware animal behavior may change before, during and even after a disaster. □ If you must evacuate, ensure your family’s safety first □ If there is time - move or evacuate livestock and horses to higher ground. AVOID leaving animals behind. □ If there is no other alternative, keep gates or buildings open so they can escape high water. □ Provide access to safe free-choice food source, clean water and the safest living areas possible. □ Do not rely on automatic watering systems, because power may be lost. □ Establish escape routes to safe locations (higher elevation). □ Place your contact number and the name and number of your veterinarian on the building. After a Flood • Assess your animals and building structures. □ Survey damage to your barns and other structures; assess the stability and safety. □ Examine your animals closely; contact your veterinarian if you observe injuries or signs of illness. • Return animals only after the threat has passed and the safety of buildings or the area has been assessed. □ Release animals in a safe and enclosed area until familiarity of the surroundings can occur. • Provide non-contaminated feed or water. □ Provide clean, uncontaminated water. □ Do not feed flood damaged or moldy feed or hay. □ Do not use any feed or forage that may have been contaminated by chemical or pesticides. • Animal disposal. □ Record any animal deaths. □ Check with your state or local authorities for proper disposal methods for animal carcasses. • Prevent illness. □ Keep animals away from flood waters which may contain harmful bacteria or chemicals. □ Monitor animals daily for signs of illness. 3/26/2017 1 Comment Disaster Safety for People with Disabilities: What to Do When Emergency Weather StrikesWe all like to believe that when a major hurricane is headed our way or a tornado warning is issued, we’ll know exactly what to do. But inclement weather is unpredictable, and it can be frightening and chaotic to handle in the moment. It’s crucial to prepare and plan well in advance for any natural disaster that your area is prone to, especially if you have a disability that could require additional safety considerations.
This disaster safety guide will help you know what hurdles to anticipate, factors to consider, and ultimately, what to do when emergency weather occurs. It will take into account people at all different ability levels and the kinds of challenges they might encounter during hurricanes, blizzards, landslides, tornadoes and earthquakes. Be sure to consult with your doctor about any additional precautions you might need to take, as each person may have more specific needs to address. General Preparation Regardless of where you live or the specific inclement weather your area may see, it’s important to take a few general safety precautions. First, establish a personal emergency network of family, friends, neighbors, and coworkers who can help you in the event of a disaster. You should have a list of at least three people for each place you spend regular time in: home, work, school, vacation homes, or timeshares. Some people may pop up on multiple lists, but the more options you have, the better. Their job is to check in on you when a storm is brewing or weather watch is issued, and make sure you’ll have a safe place to be. You’ll need to establish how everyone will get in touch, keeping in mind that phone service might be limited. For those nearby, it can be as basic as a knock on the wall to your neighbor or hanging a piece of cloth outside your window. Your network will need to have any necessary keys or security codes to reach you, so make sure it’s someone you trust implicitly. Go over how to use and transport any special equipment you’ll need, as well as medications that will need to be taken with you. Put together a disaster safety kit with about a week’s worth of supplies and keep it somewhere secure but easily accessible. If you have a service dog, put aside the items they’ll need. You’ll also want to let your service animal spend some time getting to know the members of your network. It will be crucial that the animal trusts those people to lead the way to safety in the event of an emergency. Find out the names and locations of designated safe zones and shelters in your area, noting which ones are closest to your home, workplace, or any other place you are likely to be in the event of an emergency, such as a friend’s home. Make practice drives to become familiar with the route, learn how long it takes to get there, and to get a good look at the surrounding area. Practice a faux emergency to go over all the steps needed, from getting into your front door to loading up your equipment to transporting you to the car, for example. Pay close attention to how long each task takes you to do, and look for opportunities to cut down your time. Even just moving your emergency kit closer to the front door can save precious seconds. Image via PixabayReplenish your supply kit as necessary, and consult your doctor about the shelf lives of your medications so they don’t lose their effectiveness. Even if you’ll be planning to evacuate your home in most emergency situations, don’t forget to set aside plenty of bottled water, non-perishable foods, and sanitary supplies. If dangerous conditions make it difficult to reach you, it’s crucial that you’ll have the means to get by in the meantime. If you use powered medical equipment in your daily life, you may want to consider buying a generator for emergency situations. It may be a sizable investment now, but you never know when you could end up needing it. Finally, go over your insurance policies to be sure you completely understand everything that you are and aren’t covered for. Ask specifically how your medical equipment is protected, and if it’s only guaranteed under certain conditions. Flood insurance and water damage is often not included in certain policies, so don’t be afraid to ask for clarification from your agent. HurricanesIf you live in a tropical or coastal region, it’s important to be aware of the peak hurricane season in your area. If you live on the Atlantic Coast, you’re at highest risk from June 1 until November 30. For the Pacific Coast, hurricanes are most likely May 15 through November 30. Pay attention to weather reports year-round so you’ll know in advance if a particularly rough season is ahead, and make it a consistent conversation with your safety network. Be sure that if a colleague will be your work ally, you talk to your partner about where you’ll go if an emergency occurs during business hours. Plan to first get yourself to safety, and then check in as soon as possible. When your peak season does roll around, keep a close eye on any major storms that are brewing, even if they aren’t predicted to hit your area. Hurricanes have been known to make sudden, dramatic shifts in direction, so the more updated you stay on how they’re progressing, the less likely they’ll catch you off-guard. Know the designated evacuation routes for your region and how to reach them quickly; even if a spouse or caregiver will be driving, you can help guide them if you know the way. However, be prepared for the possibility of flooded roads and scout out some alternative routes in advance. Remember: the rule is turn around, don’t drown, so be prepared. If a hurricane watch is issued, you’ll need to establish whether or not you’ll be staying in your home. Heed the advice of the National Weather Service and plan to evacuate if they give the order. Keep in mind that even if the storm isn’t dangerous enough to warrant an evacuation, strong winds and rain could still knock out power lines, and flooding can occur in low-lying areas — which could make it difficult or even dangerous if you’ll need power for any equipment. Play it safe not only to protect your family, but to eliminate as much stress from the situation as possible. Image via PixabayIf you have ample warning to prepare for a hurricane’s arrival, do what you can to protect any medical equipment you’ll leave behind. Double wrap supplies like gauze and tools in plastic bags and store them somewhere secure and high in case of flooding. If possible, wrap electronic and large equipment in plastic and move them to the highest room you can. Don’t prioritize any of this over your own safety, but protect what you can if there’s time. Anticipate difficult mobility conditions even if there isn’t immediate flooding in your region. For example, if you normally use a motorized chair, it might be quicker and easier to use your backup manual chair for the evacuation. This can be especially helpful in instances where a neighbor or relative who doesn’t have the necessary car modifications to transport your motor chair. Grab heavy boots and work gloves to protect yourself from debris. BlizzardsAs with hurricanes, you often have a bit of warning with blizzards, so stay informed and alert to updates. If you have a generator, check to be sure it’s in good working condition so it will be ready the moment you need it. It’s a good idea to keep backup equipment batteries as part of your emergency supply kit, but if you have the safe opportunity to buy more when a blizzard is on the way, do so. You’ll also want to check in with your doctor. Request any medication refills you might need, taking into consideration that roads may be blocked and businesses closed for several days at a time. Ask if there are any aspects to your condition that could be exacerbated by the freezing temperatures and what you can do to prevent problems. There may even be some specific non-perishable foods your physician can recommend that will be especially nutritious for you to focus on until grocery shopping is possible. Be over-prepared when it comes to protecting yourself from the cold, even if you’re not especially susceptible to problems from it. Insulate your home as much as possible — hanging dark curtains over a window with direct sun can make an important difference — and bundle up. Be especially mindful of warming your fingers, toes, ears, nose, and cheeks, as these areas can be quite prone to frostnip and frostbite. And don’t forget to have some extra blankets set aside for your service animal if you have one. LandslidesUnfortunately, landslides can be pretty unpredictable and happen quickly. If you live alone and there are warnings that a landslide could occur overnight, you may want to stay with a neighbor or nearby loved one so that you can have a quicker evacuation if needed. Bring any portable medical equipment you could need within the next day or two, as well as medication and other supplies. If you are in imminent danger from a landslide, get in touch with your nearest emergency network contact immediately. Grab only absolute necessities for the next few hours, and don’t lose any time trying to protect what you leave behind. Because this kind of natural disaster happens so quickly, time will be your biggest obstacle. You’ll be able to figure out replacement nonessential supplies later on, but getting to safety means acting fast. Image via PixabayMake sure that if your home or workplace is affected by a landslide, you don’t return until officials say it’s safe. Check your equipment closely for damage, then report any damage and find out about replacements and repairs. If your house is clear but traveling is difficult because of damaged roads, use the medication from your emergency supply kit. TornadoesMany places have tornado sirens that sound when a warning has been issued, but it can pose a major problem for someone who has limited hearing. And if sirens aren’t working or cued up in time, it can be easy to miss an issued warning if you’re in class, working, or otherwise occupied. Be sure your emergency network knows to contact you the moment a tornado watch has been issued — the simpler the better, so a clear, emphasized text message such as “TORNADO WATCH” can suffice. Even if no cyclones are on the ground yet, you should get to a safe place immediately. This is especially important if you are on a high floor and have a physical disability; you’ll need to get to lower ground immediately, but getting on an elevator could be dangerous if the power goes out. Since you may have to depend on stairs, you’ll want to get moving as soon as possible to allow yourself plenty of time. This should be a procedure you practice every once in awhile with your emergency network. The more confident you feel about being able to get to safety, the calmer you’ll be in the chaos of a real tornado watch. You’ll need to get as far away from windows and exterior doors as possible, ideally underground. If you have a service animal, make sure it stays on its leash. Even if it normally doesn’t need one, the chaos will almost certainly make it nervous, and might even cause it to suddenly run away out of fear. Those with a visual impairment should hold hands or maintain some kind of physical anchor to their emergency ally, and established hand signals may be helpful communication devices for people with hearing impairments. Once you’re in the basement, storm shelter, or lowest level, get under a heavy table or desk. If you’re in a wheelchair, don’t worry about getting the chair underneath with you — you are the priority. Duck down and cover your head and neck with your arms. Stay where you are and don’t go outside until you’re given an official all-clear signal. Be careful about possible debris on the ground when you do venture out, and wear heavy boots and work gloves if possible. Earthquakes Perhaps the most unpredictable of natural disasters, earthquakes require the quickest thinking. The moment one strikes, you should drop, cover, and hold — if you have a service animal, take it with you. If you’re in a wheelchair, lock it in place and get out of it and under a heavy table or desk. If you’re unable to get out and no one is around to help you, lock the brakes, then cover and hold as best you can — be sure to stay as far as you can from windows and other glass. Image via PixabayIf you’re in bed when an earthquake strikes, use your pillows, blankets, and sheets to shield yourself from falling debris. Stay where you are for several minutes afterward, bracing for possible aftershocks. If you’re injured during the event, stay put and contact 911 immediately, then ask paramedics to contact your emergency network. Contact your emergency network first if you’re not injured. Let them know the condition of your house and if you need any assistance. If you’re able to move around the house on your own, be extremely careful and wear thick-soled shoes. If you have a manual wheelchair, wear protective gloves in case your wheels roll over any sharp debris. People with a visual impairment should sit tight until someone can arrive to assess their situation. If no one else is present at the home, a member of the emergency network should stop by to see the house. If the damage is extensive, it may be necessary to wait for emergency professionals’ guidance. Be sure to check your service animal for any injuries and communicate them to your emergency network. Your animal will be especially stressed and probably anxious from the earthquake, so try to keep it as calm as possible. If there are emergency workers nearby, let them know if the animal is hurt and needs emergency care. The key to disaster safety is preparation, so do all that you can to stay ahead of the storm. Have regular practice drills with your family for each emergency your area could face. If you’re a caregiver, have practice drills with your loved one. If there is a cognitive disability to consider, be sure not to confuse or scare him or her, and emphasize when it’s only practice. Always remember: there’s no such thing as being too prepared for natural disasters! After the flood waters recede and the clean up has been done, most folks want to get back into their homes or businesses and start rebuilding. The problem is that wood that has been submerged in water has likely absorbed a large amount of water. Rebuilding too quickly after a flood can cause continuing problems such as mold growth, insect infestations, and deterioration of the wood and wall coverings.
Flood waters are not clean water; therefore, most porous building materials must be removed and replaced with new materials. Caution!
1. Flood Insurance Claims If you have flood insurance, contact your insurance adjuster immediately.
Be sure all electric and gas services are turned off before entering the premises for the first time.
Until your local water company, utility, or public health department declares your water source safe, purify your water, not only for drinking and cooking, but also for washing any part of the body or dishes.
Remove all furniture, bedding, and carpeting to outdoors to be cleaned and dried (or discarded).
Open flooded walls, even if they appear undamaged, to prevent mold, odor, and structural decay later.
1. Subfloors
To reduce mold and damage, clean and dry as soon as flood waters recede. Do not sand or scrape lead-based paint.
Clean and dry the submerged household appliance before starting.
Take furniture outdoors to clean.
Aggressively control mold in the weeks and months after the flood.
Avoid disturbing and spreading mold spores indoors. Clean mildewed items outdoors. Learn and take precautions to minimize exposure to mold.
.Basement flooding is one of the most stressful, yet prevalent issues homeowners face on a yearly basis. Flood damage is not only difficult and timely to remove, but it can also ruin Super Bowl parties or lifelong memories for you and your family. Nonetheless, like almost any home issue, there are certain precautions homeowners can take to ensure no water comes anywhere near the basement. Below are our five tips to avoid a flooded basement.
Keep Gutters Free of Debris The best way to prevent basement flooding is by keeping your gutters free of debris. Preventing water from leaving your premises is never helpful. Your gutters were put in for a reason and driving water away from the home is its No. 1 function. If leaves or branches get caught in your gutters, water could start to pile up and leak right around your foundation. The more water near the foundation, the more likely your basement is going to flood. Cleaning your gutters is easy and should be done every spring and fall. See our step-by-step guide for cleaning your gutters here. Make Sure There are No Cracks in the Foundation Even if your home has no history of flood damage, it is vital that you seal cracks in the foundation walls and basement floors. I don’t need to explain that if there are holes in the foundation, water will get into the basement. There is no way around it. Many sealing solutions are DIY projects, but some require professional installation. Start by removing any crumbling concrete and repair all cracks in the walls and floors. Use masonry caulk on cracks less than 1/8 inches wide. Caulk only costs about $10 per tube. Patch wider cracks with epoxy filler and a putty knife. Remember to patch the places where pipes and tie rods pass through the concrete. Drylok Fast Plug is effective for sealing cracks in masonry. For complex cracks or those subjected to movement, hire a professional, as DIY kits are less reliable for this level of damage. To see what it cost to seal the cracks in your foundation, check out our basement sealing cost estimator. Position Downspouts Away from FoundationYour gutters could be as clean as whistles, but if you don’t have proper downspouts directing all that water away from your foundation, basement flooding can occur. They need to be thick and long enough to handle large amounts of water. Especially in areas of heavy rainfall, downspouts of 3X4 inches are highly recommended. They should be placing the rain gathered from the gutters at least five feet away from the home. If your current downspouts are not meeting these basic guidelines, you should think about extending them, another simple DIY project Every year, flash floods claim more lives in the United States than any other weather-related incident. The most common mistake is attempting to drive through a flooded area after a flood -- many drivers assume the waters are shallow enough to navigate. Travelers also encounter flash floods while camping or hiking in national parks and just about any other terrain with topography that includes hills, mountains, valleys, creeks and rivers.
Weather experts describe flash floods as “more water than you want in less time than you have.” Personal safety risks from flash floods can be minimized and avoided with smart planning. Here are 5 questions to ask in advance of a trip that will help travelers prepare for a flash flood. 1. Is an area flood-prone? Before setting up a campsite, pay attention to flash flood warning signs but don’t count on those signs to always be there. A deadly flash flood in June 2010 at Camp Albert Pike Recreation Area, a campground in Arkansas near the banks of the Little Missouri River, shows why due diligence is important. The area had experienced at least 10 river floods over the past 7 decades, yet no warning posters were present in the area. Don’t just rely on signs. Inquire with a campground office about an area’s flood history. When setting up a campsite, look for evidence of past floods, such as large logs littering a creek or riverbed and high-water marks on river banks and trees. Signs of past flooding in a canyon include water stains on canyon walls and debris hanging from bushes and low branches. 2. Does the weather report call for a flood watch? Check the weather forecast before a hike or a camp outing. If a flood watch is in effect, potential exists for heavy rains to create flash flooding within 6 to 24 hours. Postponing a trip a day or 2 could save a life. When hiking in the West, pay particular attention to weather reports from July to mid-September. That’s when severe thunderstorms are most likely to develop quickly. Finally, if visiting a flood-prone city, “on the ground” weather reports are available from the local convention and visitor’s bureau. 3. Does the area have cell phone or radio towers? Know the risks of camping in remote areas without access to a cell phone or radio. Roughly 75% of flash flood fatalities occur at night, when rapidly rising water is more difficult to detect. A weather radio that can broadcast weather alerts is essential. Such websites as CellReception offer details on cell phone coverage within national parks. Also call the campgrounds to ask if it is located close to a radio tower (the Albert Pike campground was not close to a tower). 4. When should you avoid driving in a flood? If you notice while driving during a storm that the middle line on the road is no longer visible, heed this advice from the National Weather Service. “Turn around, don’t drown.” Just six inches of water is enough to lift a vehicle off the ground. If you are caught in rising water, abandon the vehicle and seek higher ground. If you are trapped, wait until the car partially fills with water. Doors locked from water pressure should open once the water pressure is the same on both sides of the door. Also, press your feet against the windshield, which should then pop off. Finally, never drive around a “Road Closed” sign. It’s closed for a reason. 5. Have you formulated an evacuation plan? As a record-breaking flash flood in 2010 in Nashville, Tennessee proved, travelers don’t need to be in rural areas to encounter a flash flood. Before booking a hotel room, ask if the hotel has an evacuation plan (such as a makeshift shelter), as well as back-up generators. “Have a list of phone numbers and websites handy for the local convention and visitor’s bureau and office of emergency management,” says Butch Spyridon, president of the Nashville Convention and Visitors Bureau. “If you’re driving, be prepared to fill up your gas tank when you arrive at your destination -- don’t wait until you’re leaving town.” Whether you’re set to embark on a hike, camp outing or long-distance drive, staying vigilant -- and recognizing the signs of a flash flood -- should keep you safe and dry. What Is a Hurricane?A hurricane is a kind of tropical cyclone that includes organized thunder storms but no fronts. (Fronts are two air masses of different densities, such as cold fronts and warm fronts.) Tropical cyclones are measured in escalating degrees: When the winds in a cyclone are below 39 mph, it is considered a tropical depression. When the maximum sustained winds in a tropical cyclone reach 39 mph, it graduates to a tropical storm. Finally, when those winds sustain 74 mph or higher, the cyclone graduates further to a hurricane.
Hurricanes are not the same thing as tornadoes. Many people falsely believe that hurricanes are simply tornadoes forming over the ocean. In fact, the only thing the two have in common is that they are both swirling, destructive columns of air. The main differences between hurricanes and tornadoes are:
Hurricane Damage ScaleHurricanes, like tornadoes, are defined by categories on the “Saffir-Simpson scale.” This scale measures the potential for damage caused by hurricanes, based on the strength of the sustained winds. (Sustained winds are those that last one minute or more.)
Interesting Hurricane Facts
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