Top Flood-Prone Areas in Michigan: Is Your Home at Risk?

Name: Shield Insurance Agency
Address: 3214 Chicago Dr, Hudsonville, MI, 49426
Telephone: 616-896-4600

Posted on July 30, 2025July 30, 2025 by admin

Michigan is known for its beautiful Great Lakes, scenic rivers, and lush landscapes. However, these natural features also make certain areas of the state more vulnerable to flooding. Whether you live near the shores of Lake Michigan or along the banks of the Grand River, understanding your flood risk is crucial. At Shield Insurance Agency, we’re here to help Michigan homeowners navigate the complexities of flood insurance and protect their properties.

Flood-Prone Areas in Michigan

Michigan has experienced significant flooding events over the years, often caused by heavy rainfall, snowmelt, or dam failures. Some of the most flood-prone areas include:

Midland: The Edenville Dam failure in 2020 caused catastrophic flooding in Midland and surrounding areas, displacing thousands of residents.
Grand Rapids: The Grand River has a history of overflowing its banks, especially during spring thaw and heavy rain events.
Detroit Metro Area: Urban flooding is common due to aging infrastructure and heavy rainfall, particularly in neighborhoods near the Rouge River.
Ann Arbor: The Huron River can pose a flood risk during periods of prolonged rain or snowmelt.

If you live in or near these areas, it’s important to assess your flood risk and consider purchasing flood insurance to safeguard your home and belongings.

Why Flood Insurance Matters

Many Michigan homeowners assume their standard homeowners insurance policy covers flood damage, but this is often not the case. Flood insurance is a separate policy designed to cover damages caused by rising water, whether it’s from rivers, lakes, or heavy rainfall. At Shield Insurance Agency, we work with Michigan residents to find the right flood insurance policy for their needs.

Local Flood History: Lessons Learned

Michigan’s history of flooding serves as a reminder of the importance of preparation. For example, the Midland disaster highlighted the need for proactive measures, such as maintaining dams and levees and ensuring homeowners have adequate flood coverage. Similarly, Grand Rapids has implemented flood mitigation strategies, but individual homeowners still need to take steps to protect their properties.

How to Protect Your Home

In addition to purchasing flood insurance, Michigan homeowners can take steps to minimize flood damage:

Install a sump pump and ensure it’s in working order.
Elevate electrical systems and appliances above potential flood levels.
Seal basement walls to prevent water seepage.
Stay informed about local flood warnings and evacuation plans.

By combining these preventative measures with a comprehensive flood insurance policy, you can reduce the financial and emotional impact of flooding.

Get Covered Today

Flooding can happen when you least expect it, and the financial consequences can be devastating. Don’t wait until it’s too late—contact Shield Insurance Agency today to learn more about flood insurance options for Michigan homeowners. Our team is here to help you find the coverage you need to protect your home and family.

Homeowners Insurance vs. Floods: What You Need to Know to Safeguard Your Home

Posted on March 8, 2024February 21, 2024 by Shield Insurance Agency

When it comes to protecting your home, having the right insurance coverage is crucial. Homeowners insurance provides a safety net for unexpected events that can cause damage to your property. But what about floods? Are they covered under homeowners insurance? In this blog post, we will explore the topic of flood insurance and whether or not it is included in your standard home insurance policy.

Understanding Flood Damage and Homeowners Insurance Coverage

Floods can cause significant damage to your home and belongings. From structural damage to mold growth, the aftermath of a flood can be devastating. However, it is important to note that flood damage is typically not covered under a standard homeowners insurance policy. This means that if your home is damaged by a flood, you may be responsible for the costs of repairs and replacements.

The Importance of Flood Insurance

Given that flood damage is not covered under homeowners insurance, it is crucial to consider purchasing a separate flood insurance policy. Flood insurance provides coverage specifically for damages caused by floods, ensuring that you are financially protected in the event of a natural disaster. This type of insurance can help cover the costs of repairing or rebuilding your home, as well as replacing damaged belongings.

How to Obtain Flood Insurance in addition to Homeowners Insurance

Flood insurance is typically offered through the National Flood Insurance Program (NFIP), which is managed by the Federal Emergency Management Agency (FEMA). This program provides flood insurance to homeowners, renters, and business owners in participating communities. It is important to note that flood insurance policies have a 30-day waiting period before they go into effect, so it is essential to plan ahead and purchase coverage before a flood occurs.

The Benefits of Working with an Insurance Agency

Navigating the world of insurance can be overwhelming, especially when it comes to understanding the intricacies of flood insurance. This is where an insurance agency can be a valuable resource. Shield Insurance Agency, for example, represents over 45 insurance companies and can help you find the right coverage for your needs. Their team of experienced agents can guide you through the process of obtaining flood insurance and ensure that you have the necessary protection in place.

In conclusion, flood damage is typically not covered under a standard homeowners insurance policy. To protect your home and belongings from the devastating effects of floods, it is important to consider purchasing a separate flood insurance policy. Working with an insurance agency, such as Shield Insurance Agency, can help you navigate the process of obtaining flood insurance and ensure that you have the coverage you need. Don’t wait until it’s too late – contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon. Remember, being prepared is the key to protecting your home and your peace of mind.

Flood insurance ☔ the ultimate safeguard for your home – here’s why you shouldn’t ignore it!

Posted on February 5, 2024October 30, 2023 by Shield Insurance Agency

Shield Agency Blog | Flood Insurance | Contact our office for details!

When it comes to protecting your home and ensuring your financial security, there are many factors to consider. One of the most important aspects of this is having the right insurance coverage in place. While homeowners insurance is a common requirement for most homeowners, there is one type of coverage that often gets overlooked – flood insurance.

Disaster preparedness and emergency planning are crucial for any homeowner. Natural disasters can strike at any time, and being prepared can make all the difference in minimizing damage and ensuring the safety of your loved ones. While many people associate natural disasters with events like hurricanes or earthquakes, one of the most common and destructive disasters is flooding.

Flood damage can be devastating, causing extensive property damage and financial loss. Without the proper insurance coverage, homeowners may find themselves facing significant repair costs and the burden of rebuilding their lives. This is where flood insurance comes into play.

Flood insurance is a specialized type of coverage that protects homeowners from the financial impact of flood damage. It provides coverage for both the structure of your home and its contents, ensuring that you are protected in the event of a flood. While homeowners insurance may cover some types of water damage, it typically does not cover flood damage.

Flood prevention and protection are essential, but it is important to understand that no amount of preparation can completely eliminate the risk of flooding. Even if you live in an area with a low flood risk, it is still wise to consider flood insurance. Flooding can occur due to a variety of factors, including heavy rainfall, melting snow, or even a burst pipe. It is always better to be safe than sorry when it comes to protecting your home and your financial security.

Homeowners insurance is designed to protect your property from a wide range of risks, but it does not typically include flood coverage. This means that without flood insurance, you may be left to bear the financial burden of flood damage on your own. This can be a significant blow to your financial security and can leave you struggling to recover from the aftermath of a flood.

Property damage is not the only concern when it comes to flooding. The emotional toll of losing your home and belongings can be overwhelming. Having flood insurance in place can provide peace of mind, knowing that you have the financial resources to rebuild and replace what has been lost.

Risk management is an important aspect of protecting your home and your financial security. By investing in flood insurance, you are taking proactive steps to mitigate the risk of flood damage. This can help you avoid the financial devastation that can occur in the aftermath of a flood and ensure that you are able to recover and rebuild.

At Shield Insurance Agency, we understand the importance of having the right insurance coverage in place. That’s why we represent over 40 insurance companies, allowing us to find the best coverage options for our clients. Whether you are in need of flood insurance, homeowners insurance, or any other type of coverage, our experienced agents are here to help.

Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon. We are committed to helping you protect your home, your belongings, and your financial security. Don’t wait until it’s too late – invest in flood insurance and ensure that you are prepared for whatever comes your way.

Flood Insurance: Protecting Your Home and Family

Posted on May 31, 2023May 15, 2023 by Shield Insurance Agency

Shield Insurance Agency Blog | Flood Insurance | Start a Quote Today!

As a homeowner, you know that your home is one of the most important investments
you will ever make. It is where you and your family live, where you create memories, and
where you feel safe and secure. However, your home is also vulnerable to natural
disasters such as flooding, which can cause significant damage and financial loss. That
is why it is essential to have flood insurance as part of your home insurance policy.
Home Insurance Flooding

Many homeowners assume that their home insurance policy covers flooding, but this is
not always the case. Most standard home insurance policies do not cover flood
damage, which means that if your home is damaged by flooding, you will have to pay for
the repairs out of your own pocket. This can be a significant financial burden, especially
if the damage is extensive.

Rain Storms

Rain storms can cause significant flooding, even in areas that are not considered
high-risk flood zones. It is important to remember that flood insurance covers damage
caused by any type of flooding, not just from rivers and lakes. This means that even if
your home is not located near a body of water, you may still be at risk for flooding during
a rainstorm.

Home Flood Insurance Quote

To protect your home and family from the financial impact of flooding, you need to have
flood insurance. Flood insurance is a separate policy that covers damage caused by
flooding. It is important to note that flood insurance is not included in your standard
home insurance policy, and you will need to purchase it separately.

Home and Flood Insurance

Flood insurance can be purchased as a standalone policy or as an add-on to your
existing home insurance policy. If you live in an area that is prone to flooding, it is
recommended that you purchase flood insurance as an add-on to your home insurance
policy. This will ensure that you have comprehensive coverage for all types of damage,
including flooding.

Homeowners Insurance with Flood Coverage

If you are purchasing a new home, it is important to consider flood insurance as part of
your home insurance policy. Many mortgage lenders require homeowners to have flood
insurance if they live in a high-risk flood zone. Even if you do not live in a high-risk flood
zone, it is still a good idea to have flood insurance to protect your home and family from
unexpected flooding.

Flood Insurance Quote

If you are interested in purchasing flood insurance, it is important to get a quote from a
reputable insurance agency. Shield Insurance Agency represents over 40 insurance
companies, which means that we can provide you with a variety of options for flood
insurance coverage. Our experienced agents can help you find the right policy to meet
your needs and budget.

Protection for Your Family and Home

Flood insurance provides protection for your family and home in the event of a flood. It
can cover damage to your home, personal belongings, and even living expenses if you
are forced to evacuate your home due to flooding. This can provide peace of mind
knowing that you and your family are protected in the event of a natural disaster.

Shield Insurance Agency Represents Over 40 Insurance Companies

At Shield Insurance Agency, we understand the importance of protecting your home and
family from unexpected events such as flooding. That is why we represent over 40
insurance companies, so we can provide you with a variety of options for flood
insurance coverage. Our experienced agents can help you find the right policy to meet
your needs and budget.

Contact Shield Insurance Agency at (616) 896-4600 for a Free Quote Today
If you are interested in purchasing flood insurance, contact Shield Insurance Agency
today for a free quote. Our experienced agents can help you find the right policy to meet
your needs and budget. Protect your home and family from the financial impact of
flooding with flood insurance from Shield Insurance Agency.

Look here for more blogs from Shield Insurance Agency

Failing to properly maintain your washing machine can result in expensive repairs and a shorter life overall for your appliance. Certain problems such as hose malfunctions can also result in water damage to areas of your home surrounding the washer.

8 Washing Machine Maintenance Tips

Posted on May 4, 2023April 21, 2023 by Shield Insurance Agency

Nationwide | September 15, 2021 | Washing Machine | Home Insurance | Start A quote today!

Washing machines provide homeowners with endless utility. The ability to wash everything from clothes to bedding at home with minimal effort is life-changing. But most don’t realize there is a laundry list of washing machine maintenance boxes to check. Failing to properly maintain your washing machine can result in expensive repairs and a shorter life overall for your appliance. Certain problems such as hose malfunctions can also result in water damage to areas of your home surrounding the washer.

That said, much of washing machine maintenance boils down to proper usage of the appliance and some regular cleaning and checking of its important features. Let’s get into eight easy washing machine care tips to keep yours operating safely and effectively.

1. Check the hoses of the Washing Machine

Water damage in homes is often caused by the washing machine leaking. When the washer is the culprit, that leak can frequently be traced to the hoses. The wear and tear of regular use cause traditional rubber hoses to lose flexibility over time, and water will ultimately win that battle. You should check your hoses for cracks, blistering, or kinks every few months to confirm that none of these warning signs have developed. If they have, it’s recommended that you replace the hose. Even if your hoses remain in good shape, you should still replace them every five years or so.¹

2. Clean the lint filter of the Washing Machine

A clean washer filter is essential for a well-functioning washer! Most homeowners are familiar with the lint traps in their dryers and regularly clean them out in between cycles, but did you know your washer may have a lint filter too? Newer, high-efficiency models have self-cleaning pump filters for getting rid of lint, however, many washers have lint traps for filtering the general debris that comes out of clothes and other fabrics mid-wash. If your washer has a filter, you should check and clean it at least four times per year to ensure that debris doesn’t build up and cause mildew.²

3. Don’t overload the Washing Machine

Just a few more shirts, what could go wrong? Plenty! Overloading the washer is a common mistake many homeowners make with their washers. Oversized

loads add pressure that can throw the machine off balance mid-cycle and cause damage to various parts. Just remember: you can always do another load after this one!

4. Leave the washer door open after use

The inside of your washing machine doesn’t dry immediately after the cycle finishes. Moisture lingers for a while after you remove the load and closing the washer door can cause it to stick around even longer, eventually causing mold and mildew. Always leave your washer door open for at least 15-30 minutes after using it to help air circulate and dry the inside. You can also wipe down the gasket or rubber seal around the washer door to accelerate the process.

5. Use recommended laundry detergent

The detergent you use matters. Always check your washer’s manual to see which kinds of detergent are recommended. Detergents that are too heavy in alkaline can damage the machine and any clothes or other fabrics you load them with. This is particularly important with high-efficiency models. Powdered or high-efficiency detergent can be used with these models to minimize residue build-up. Using high-efficiency detergent can also save energy since less water is required to wash it away.²

6. Clean the washer

Even a washing machine needs to be cleaned sometimes to remove detergent residue, dirt, soap scum, and hard water build-up.³ Luckily, DIY solutions of white vinegar and baking soda can be used on most washers. Simply run a cycle on hot with the solution or use a self-cleaning cycle if your model has the option. This solution can be used as high efficient washer cleaner as well.

7. Clean the drain pump filter

If you notice your washer having trouble draining, it’s time to have a look at your drain pump filter. Debris can build up in the filter and cause the drain pump to clog, preventing your washer from draining properly between cycles. You can typically find the filter on the front of your machine, either in plain sight or behind a kick strip.⁵ Simply unscrew and pull it out to clean.

8. Keep your washing machine level

Keeping your washing machine on an uneven surface can unbalance it, causing it to rock and vibrate. In addition to being very loud, this can also damage various parts of your washer. Make sure that your machine is on a level surface, with all four legs firmly planted on the floor.

It’s easy to forget that the things we use to clean also need to be cleaned themselves from time to time. But if left unchecked, appliances like your washing machine and dryer can quickly go from a beloved appliance to an expensive repair. It’s best to take maintenance measures first, but when hoses burst or machines start causing unexpected damage to your home, it’s important to have homeowner’s insurance. Learn what coverage a homeowner’s policy provides against water-related damage.

¹https://www.tlcplumbing.com/blog/preventing-washing-machine-hoses-bursting/, Accessed July 2021
²https://www.consumerreports.org/laundry/energy-saving-laundry-tips/, Accessed July 2021
³https://www.thespruce.com/how-to-clean-a-washer-lint-trap-2147322, Accessed July 2021
⁴https://simplegreen.com/cleaning-tips/rooms/laundry/high-efficiency-washing-machine/, Accessed July 2021
⁵https://www.ariel.in/en-in/washing-machine-101/how-to-use-a-washer/how-do-i-check-pump-filter, Accessed July 2021

Disclaimer:
The information included is designed for informational purposes only. It is not legal, tax, financial, or any other sort of advice, nor is it a substitute for such advice. The information may not apply to your specific situation. We have tried to make sure the information is accurate, but it could be outdated or even inaccurate in parts. It is the reader’s responsibility to comply with any applicable local, state, or federal regulations. Nationwide Mutual Insurance Company, its affiliates, and their employees make no warranties about the information nor guarantee of results, and they assume no liability in connection with the information provided. Nationwide, Nationwide is on your side, and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2021 Nationwide and Shield Insurance Agency

How to turn off home water supply

Posted on February 21, 2023February 16, 2023 by Shield Insurance Agency

Foremost Insurance Blog | by Niki King | Water Supply | Home Insurance | Self-Quoting Portal

If your plumbing freezes, springs a leak, backs up, requires maintenance or you’ll be away from your house for a while, you may have to turn off the water supply for your home. Do you and everyone else in your household know how to do so? Consider these steps to help be prepared:

Find the Main Water Supply Shut-Off Valve

In most homes, this is located near the main water pipe leading into the home – typically the kitchen, downstairs, or utility room. In warmer areas, the valve may be outside on an exterior wall or buried near the road. If there is more than one valve, it’s most likely the closest to the inside plumbing, versus the one that’s closer to the street. There are several types of water valves used in home plumbing, so be sure you know which one is correct. Tip: Label the valve so it’s easy for everyone to locate! This could also be handy if someone else is staying in your home and needs to turn off the home water supply.

Shut the Water Supply Valve Off

Remember the saying “Righty tighty, lefty loosey?” It applies here as well, so turn the valve clockwise to cut off the water flowing into the home. If the valve is stiff or too tight to turn with your bare hands, we suggest wearing gloves to get more grip and protect your hands. If you still cannot twist the valve, consider calling a professional plumber.

Drain Remaining Water

Although the water supply is now turned off, there will still be water in the system that needs to drain out. People can do this by turning on all faucets (both hot and cold settings). Once the water stops flowing, they should turn the faucets off. Some appliances or fixtures with a reservoir may still have limited usage after shutting off and draining the water. For example, toilets could flush one more time. Tip: Consider collecting the water in a container to use for watering plants or other ways to avoid waste.

Wait/Perform Maintenance

Now it should be safe to make repairs or wait for the plumbing emergency to no longer be a concern, depending on the issue. It is recommended to call a professional plumber when you cannot handle a problem alone, don’t know how to fix the issue, or aren’t sure what the problem is.

Open the Water Supply Valve

Head to the main valve and turn it counterclockwise to get the water flowing again. Tip: It’s recommended to test shut-off valves twice a year to ensure proper operation. Catching a problem before it becomes a problem can save time, money, and a lot of stress in the long run.

Run Water Lines and Appliances

Turn on the faucets again for a few minutes to remove air from the pipes while the water refills the pipes, and test appliances that use water (dishwasher, washing machine, icemakers, etc.). If the water isn’t flowing or something isn’t working properly, be sure to call a professional.

Is your home covered in the event of a flood? Get a quote today by calling 616-896-4600 to speak with a licensed agent.

More great blogs by Shield Insurance

Flood Insurance 101: Understanding the Basics

Posted on January 20, 2023March 2, 2023 by admin

Flood Insurance | Shield Insurance Agency | Self-Quoting Portal

Flooding is one of the most common and destructive natural disasters in the United States, and it can happen anywhere. If you live in an area that is prone to flooding, it’s important to understand the basics of flood insurance and how it can protect your home and belongings. At Shield Insurance Agency, we understand the importance of flood insurance in Michigan, which is why we have created this guide to help you understand the basics.

Flood Insurance: The Basics

First, it’s important to understand that standard homeowners insurance policies do not cover damage caused by flooding. You will need to purchase a separate flood insurance policy in order to be protected. Flood insurance is available through the National Flood Insurance Program (NFIP), and it can be purchased through Shield Insurance Agency.

Flood insurance policies are divided into two types: building coverage and content coverage. Building coverage covers the structure of your home and any permanently attached fixtures, such as built-in appliances and cabinetry. Contents coverage covers personal possessions such as furniture, clothing, and electronics. You can purchase both types of coverage, or just one depending on your needs.

When purchasing flood insurance, it’s important to understand the difference between a preferred risk policy and a standard policy. Preferred risk policies offer lower rates for properties in low-to-moderate risk areas and are generally less expensive than standard policies. However, it’s important to note that even if you live in a low-risk area, you are still at risk of flooding.

Give Us A Call

At Shield Insurance Agency, we understand that purchasing flood insurance can be overwhelming, which is why we are dedicated to helping our customers in Michigan understand the basics of flood insurance and find the right coverage to protect their homes and belongings.

Flood Insurance: Have A Home In A Flood Zone? What You Need To Know

Posted on January 24, 2022August 9, 2023 by admin

Shield Insurance Agency Blog | Flood Zone | Flood Insurance | Start A Quote Today!

Water views are fantastic, but the thought of a flood in your home can be scary. Flood insurance works to protect homeowners against the devastation that can be caused by a flood. Here, we’ll take a look at what you need to know if you’re considering buying a home that requires flood insurance.

Who Needs Flood Insurance?

The Federal Emergency Management Agency (FEMA) determines a flood zone as an area that has a 1% or greater chance of flooding in the coming year. Changes in water levels can mean that a home may be in a flood zone one year, but not the next.

If you’re considering purchasing a home in a flood zone, you’ll need to have flood insurance in order to move forward with the purchase of your new home. Sometimes, flood insurance is covered as a part of homeowner’s association (HOA) fees. In other cases, homeowners need to purchase flood insurance on their own.

What Does Flood Insurance Cover?

Thankfully, your flood insurance policy may cover all direct damage related to a flood. In the event of a flood, your insurance policy may cover functional aspects of your home (such as a sewer system that has backed up as a result of a flood), and damage to personal items. It’s important to note that your policy is specific to you and your home, and you’ll need to work with your insurance agent to fully understand your flood insurance coverage.

Need Flood Insurance? We’re Here To Help.

Reach out to Shield Insurance Agency, serving Michigan, for more information about how a flood insurance policy can help keep you, your family, and your home protected against the unexpected.

Join the Celebration: Shield Insurance Agency Recognized for Business Excellence!

Posted on June 2, 2021January 23, 2025 by Shield Insurance Agency

Shield Insurance Agency | Shield Blog | About Us | Start A Quote Today! | Business Excellence Award

We are pleased to announce that Shield Insurance Agency has been nominated for the prestigious Business Excellence Award. This recognition is a testament to our commitment to providing exceptional insurance services and our dedication to our clients.

The Business Excellence Award is given to companies that have demonstrated outstanding performance, innovation, and leadership in their respective industries. It recognizes organizations that have achieved significant growth, maintained high ethical standards, and made a positive impact on their communities.

We are honored to be considered for this award and would like to express our gratitude to our clients for their continued support and trust in our services. This nomination serves as motivation for us to continue delivering the highest level of service and to constantly improve our offerings.

We would also like to extend our appreciation to our dedicated team members who have worked tirelessly to ensure the success of our agency. Their hard work, expertise, and commitment to excellence have been instrumental in our nomination for this prestigious award.

Winners of the Business Excellence Award will be announced at a ceremony later this year. We are excited about the opportunity to be recognized among other outstanding businesses and look forward to the results.

Once again, we would like to thank everyone who has contributed to our success and helped us achieve this nomination. We remain committed to providing exceptional insurance services and being a trusted partner for all our clients’ insurance needs.

Thank you for your continued support.

Big News from the Hudsonville Chamber of Commerce!

It’s Awards Season!

The Chamber is SO excited to be hosting the Chamber Awards once again this year!

Here are our nominees for the 2021 Awards!
::::: drumroll :::::

Business Excellence Award

Hudsonville Physical Therapy
Advent Physical Therapy
Shield Insurance Agency

Leadership Award

Dr. Therese House-Vereeke
Patrick Waterman
Mary Jane Schreur

Spark Award

Hand 2 Hand Ministries
Meijer
Joy 99

The winners of the Awards will be announced at our official Awards Ceremony MEAL. June 17th at noon at the Pinnacle Center.

Make sure to get registered, we hope to see you there!

Visit the Shield Insurance Blog for some great reading…

Do You Know Your Flood Risk?

Posted on September 3, 2019August 30, 2023 by Shield Insurance Agency

Are you in a flood risk zone?

According to the National Flood Insurance Program (NFIP), everyone lives in a flood risk zone. Even those who don’t live near water are at risk because anywhere it rains, it can flood. Heavy rains, clogged or insufficient drainage systems, nearby construction projects, broken water mains, and inadequate levees and dams can cause flooding that puts your home and belongings at risk.

Your home is one of your greatest investments. It’s important to prepare ahead should a disaster occur. Here are three simple steps to help make sure you’re ready in the event of a flood risk.

Create a “flood file” and keep it in an accessible waterproof and fireproof container. It should contain a personal property inventory of your home, a copy of your insurance information, copies of any critical personal documents (e.g. social security cards, titles and deeds), and a CD backup of computer documents and digital photos.
Prepare your home by making sure your sump pump works and has a battery backup, your gutters and downspouts are clear, your electronics and appliances are elevated, and any valuables and keepsakes are moved to a higher level.
Develop an emergency plan that includes evacuation routes from home, work and school. Make sure that plan includes an out-of-town contact list that all family members can call in case you get separated. Also, create an emergency kit with extra drinking water, non-perishable food, first-aid materials, blankets, a battery-powered radio, a flashlight, and extra batteries that can be grabbed easily if you need to evacuate.

It’s important to know that most home policies don’t cover flooding and just a few inches of water damage can cost thousands. To find out if you live in an area that is at risk for flooding, type in your address in the FEMA Flood Map Service Center and use this interactive tool to learn more.

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