Step 1: Know Your Flood Risk
Your first line of defense against flood damage is understanding your area's risk level. Flooding can happen in many ways, including:
- Heavy rainfall that overwhelms drainage systems
- Flash floods from storms, which can occur even in dry areas
- Hurricanes and tropical storms that bring storm surges and prolonged rain
- Rising river levels after prolonged rain or dam releases
- Flooding after wildfires, when scorched land struggles to absorb rainfall
Even if you don’t live in a high-risk flood zone, being prepared is essential. Over 25% of flood claims come from properties outside designated high-risk areas.
Not sure about your flood risk? You can check with FEMA’s interactive floodplain map or consult your local resources to understand your area’s flood history better.
Step 2: Floodproof Your Home and Belongings
Not all floodproofing methods require significant investments. Some steps are simple and inexpensive, while others take more planning. Here are ways to minimize damage before a flood ever happens:
- Store valuables and important documents in waterproof containers and keep them elevated.
- Keep gutters and drainage areas clear so water flows away from your home.
- Seal cracks and gaps in your home’s exterior to reduce water intrusion.
- Use water-resistant materials like tile instead of carpet in flood-prone areas.
- Consider installing a sump pump in your basement or crawlspace if flooding is a recurring concern.
While no home is 100% floodproof, small proactive steps can reduce damage and potentially save thousands in repairs.
Step 3: Protect Your Finances with Flood Insurance
A common misconception is that homeowners and renters insurance covers flood damage, but it doesn’t. Texas flood insurance is a separate policy that covers damage caused by rising water from natural disasters, such as heavy rainfall, storm surges, and overflowing rivers.
Flood insurance is available through the National Flood Insurance Program (NFIP) and private insurance providers througout Houston. Here’s what it can cover:
- Building coverage: Structural damage to your home, including the foundation, walls, electrical systems, and built-in appliances.
- Contents coverage: Personal belongings like furniture, clothing, electronics, and smaller appliances.
Most NFIP policies have a 30-day waiting period, so don’t wait until a storm is on the horizon to get coverage.
Step 4: Keep Your Safety Plan Up-to-Date
Being prepared isn’t just about protecting your home—it’s also about keeping yourself and your loved ones safe. Whether or not you live in a high-risk flood area, having a flood safety plan is always a good idea. Ask yourself these questions:
- How will you communicate with family members during a flood?
- Do you have emergency kits in your home, car, and workplace?
- Are you signed up for local flood alerts and emergency notifications?
- Do you know your area’s evacuation routes?
Flooding can happen with little warning, so having a plan can make all the difference in keeping you and your family safe.
Stay Protected—Review Your Texas Flood Insurance Today
Flooding is unpredictable, but your financial security doesn’t have to be. Whether you own or rent, flood insurance is one of the best ways to protect your home, belongings, and peace of mind.
Talk to a Leavitt Group Texas Select insurance advisor today to review your flood insurance options and ensure you’re covered before the next storm hits.
