If you think you live in an area that "never floods," think again. Flooding is the most common reason for disaster declarations, and not just in the flood plains. If you live in an area where flooding is common, the first and most important step in flood preparedness is to assess whether you are truly prepared to do what is necessary to live in a flood-prone location.
Residents must realize that flooding and the cycle of evacuation, response, clean up, and recovery will be a recurring fact of life. Reassess: do you really want to stay? Then put together your disaster plans and chose your flood-proofing strategy.
As part of your disaster plan, for flooding be sure that your emergency supplies are ready to take along, primary and alternate evacuations routes are identified, and alternate locations for your family and vehicles, trailers, etc. to stay have been arranged.
Find out what your coverage is. Homeowners insurance does not cover flood damage. A separate policy under the National Flood Insurance Program (NFIP) will be needed. NFIP policies cover surface water flooding damage to the building, contents, costs for moving and storing property to protect it, and flood debris removal. It doesn't cover problems like sewer back-up, vehicles damaged by floods, or items in finished basements. Homeowners need to find out in advance.
Try these links to detailed information about flood preparedness and floodproofing.