What do you do in case of a flood

Flooding can happen quickly and unexpectedly due to heavy rain, river overflow, storm surge, or broken infrastructure. Knowing what to do before, during, and after a flood can help protect your life, family, and property.

This guide outlines practical steps to stay safe, reduce damage, and begin recovery after a flood.

Immediate Steps During a Flood

Get to Higher Ground

If water levels rise rapidly, move to higher ground immediately. Floodwater can be deeper and stronger than it appears.

Avoid Floodwater

Do not walk, swim, or drive through floodwater. Six inches of moving water can knock you off your feet, and one foot of water can sweep a vehicle away.

Listen for Emergency Alerts

Stay tuned to local weather alerts and emergency instructions from authorities. Evacuation orders are serious and should be followed promptly.

Turn Off Utilities

If instructed and it is safe, turn off electricity, gas, and water at the main switches. This helps prevent fire, electrocution, and further damage.

Keep Your Family Together

Stay with your household and keep pets secure. Confirm a meeting place in case you become separated.

Protecting Property If You Have Time

Move Valuables to Higher Levels

If a flood warning is issued early, move important items and electronics to upper floors or elevated shelves.

Elevate Appliances and Utilities

Raise washers, dryers, furnaces, and electrical panels off the floor if possible.

Sandbags and Barriers

Place sandbags or temporary barriers around doors and low openings to divert water flow.

Document Property Condition

Take photos or video of your home and belongings before flooding begins if time permits — this helps with insurance claims later.

After the Flood: Safety and Recovery

Wait for Official All-Clear

Do not return home until authorities say it is safe. Floodwaters may have weakened structures or hidden hazards.

Avoid Contaminated Water

Floodwater may contain sewage, chemicals, or debris. Wear protective gear if you must enter flood-affected areas.

Check for Structural Damage

Before entering a building, look for cracks, sagging roofs, or other signs of structural instability.

Turn Off Utilities Safely

If water reached electrical outlets or appliances, do not touch them until power is inspected and restored by professionals.

Prevent Mold Growth

Remove wet materials and dry out your home quickly with fans and ventilation. Mold can begin growing within 24–48 hours.

Document All Damage

Take clear photos and videos of damage to your home, belongings, and property. This documentation supports insurance claims.

Understanding Flood Insurance

Standard homeowners insurance usually does not cover flood damage. A separate flood insurance policy helps cover:

• Structural damage to your home

• Loss of personal property due to flooding

• Cleanup and restoration costs

Having flood insurance before a flood event helps protect your financial recovery.

Preparing for Future Floods

• Know your flood risk level based on where you live

• Sign up for local weather alerts

• Create an emergency kit with food, water, and supplies

• Have an evacuation plan for family and pets

• Consider elevating utilities or structural improvements

Preparedness reduces panic and increases safety when floods occur.

Frequently Asked Questions

What should I do first during a flood?
Get to higher ground, avoid floodwater, and follow local emergency instructions immediately.

Can I drive through standing floodwater?
No. Driving through floodwater is dangerous; vehicles can be swept away even in shallow water.

Does homeowners insurance cover flood damage?
Standard homeowners policies typically do not cover flood damage; separate flood insurance is usually required.

How do I document flood damage for insurance?
Take clear photos and videos of structural damage and belongings before cleanup to support your claim.

Is floodwater dangerous to health?
Yes. Floodwater can contain sewage, chemicals, and debris; avoid contact and wear protective gear if needed.

How can I prepare for future flooding?
Know your risk level, have an emergency kit and evacuation plan, and consider preventive measures like elevating utilities.

Final

Floods can be sudden and dangerous, but knowing what to do before, during, and after a flood can help protect you, your family, and your property. With over 30 years of experience helping homeowners understand risk and recovery, we offer guidance to support your safety and resilience.

Fill out the form below to get expert guidance on flood preparedness and insurance options tailored to your needs.
Start now — get personalized options fast, secure, and tailored to you.