In 2007, floods occurred in every U.S. state, causing claims of nearly 600 million dollars. Flash floods – usually caused by sudden, heavy rainfall – can occur in just a few hours or less; rushing water from flash floods can move rocks and debris, and damage homes and buildings.
Viewer Tip: People who live in low-lying areas or near water can particularly at-risk for flooding. Everyone should be prepared for a flood.
- Standard home insurance does not cover flooding. Fill out the “One-Step Flood Risk Profile” at www.floodsmart.gov to find out whether you live in a high, moderate or low-risk flood area and learn more about coverage from the National Flood Insurance Program.
- Create a “flood file.” Keep importand documents, such as insurance policies and finance records, in a water-proof container or safe deposit box. Also keep an inventory of your possessions with videos, photos and/or receipts.
- Learn about the cost of flooding with Floodsmart.gov’s tool: http://www.floodsmart.gov/floodsmart/pages/flooding_flood_risks/the_cost_of_flooding.jsp. Just one-inch of water in your home can add up to more than 7,800 dollars in repairs, including costs for cleanup materials and replacement of carpet/flooring materials, baseboards and drywall.
Seasons: Spring, Summer, Fall, Winter
(Sources: The National Flood Insurance Protection Program. www.floodsmart.gov; Federal Emergency Management Agency. “Are You Ready: Floods.” http://www.fema.gov/areyouready/flood.shtm)

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