Flood Insurance 101
Last week was National Flood Awareness Week (March 16 – 22)! Taking action to prepare for flood hazards is important no matter where you live but especially if you are in low-laying areas or near water. Since floods are one of the most common hazards in the United States, preparing for this hazard is critical.
One way to prepare is with flood insurance. Keep your head above water by learning the basics about this special coverage available for homes and businesses. Here’s what you should know:
- Flood losses are not typically covered under renter and homeowner’s insurance policies;
- Flood insurance is available in most communities through insurance agents; and
- There is a 30-day waiting period before flood insurance goes into effect.
The National Flood Insurance Program (NFIP) is a valuable resource to learn more about your flood risk, how to find an agent, and the flood recovery process. NFIP also offers interactive ways to understand floods. Calculate the cost of flooding, watch real flood testimonials and launch a levee simulator to take your flood knowledge to the next level.
Floods are also one of the Spring hazards featured in America’s PrepareAthon! Soon you’ll be able to register to participate and take action for flood preparedness; but in the meantime, learn more about this grassroots campaign for action at www.ready.gov/prepare and check back often for updates!
You can also ensure you’re prepared for floods and at the same time help others in your community affected by a disaster by joining a local Community Emergency Response Team.
Want to keep flood safety at your fingertips? Download FLASH Cards from the Federal Alliance for Safe Homes to share with your family and friends.
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Do you have money on your mind? Many New Yorkers don't realize that an emergency can be a costly experience — take the time now to invest in financial preparedness. Get started by putting together an Emergency Financial First Aid Kit (EFFAK), which can help you identify and organize important financial and legal documents. Make copies (and snap photos with your smartphone) of your tax return and other items for your Go Bag and emergency supply kit. 
Learn more about financial preparedness
Are you and your family in spring cleaning mode? Take a break to spruce up your emergency contact information. Sometimes, phone numbers, addresses, and meeting places become outdated, and it's important to keep it fresh. Don't forget to share changes with all members of your family so that everyone is on the same page before disaster strikes.
Wash away what you think you know about flooding. Fact: flooding is a nationwide, coast-to-coast threat. This National Flood Safety Awareness Week, learn about the causes of flooding, the hazards it can create, and the steps you can take to protect yourself and your home. Get prepared and flood your mind with knowledge!
March is Red Cross Month, and a good reminder that disaster volunteer organizations help those in need after an emergency. Consider getting involved with the 
Daylight saving time may remind you to move your clocks ahead this Sunday, but it's also a great time to check your emergency supplies. Since you should have at least three days' worth of items on hand, replenish any items you may have used, check expiration dates, and check the batteries in your smoke and carbon monoxide detectors.
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