Floods

Flooding is one of Florida's most frequent hazards. It is a coast to coast threat that can occur at any time of the year.

There are different reasons a community may flood; storm surge, river flooding, or heavy rainfall. Low-lying or poorly drained areas can also increase a community's flood risk. To protect yourself, learn what flood threats affect your community.

  • Determine if there are rivers or creeks that flood frequently.
  • Is your home located in a low-lying area?
  • Determine your home's elevation.

Obtain or review the flood map for your area. You can get your overall flood risk at www.floodsmart.gov and enter your address. Your official FEMA flood zone map can be found online at FEMA's Map Service Center, or through your property appraiser's office.

Before the flood reaches your area:

  • Know if floodwaters might affect your home and property. Know your elevation above flood stage.
  • Develop a flood emergency action plan.
  • Evacuate immediately, if advised to do so. Bring important documents with you.
  • Move to a safe area before access is cut off.
  • Keep abreast of road conditions through the news media.

During the flood:

  • Avoid areas subject to flooding. Do not attempt to cross flowing water.
  • Never drive through flooded roadways. Nearly half of all people killed in floods are those who try driving through flooded areas.
  • Do not drive around barricades, they are there for your protection.
  • If your vehicle stalls, leave it immediately.
  • Never try to walk through or allow children to play around flood water.

After the flood:

  • Do not visit disaster areas, your presence may hamper emergency operations.
  • Throw out food that has come into contact with the floodwater and boil drinking water before using it.
  • Stay out of buildings that remain in flood waters.
  • Do not handle live electrical equipment in wet areas.
  • If the power is out, use flashlights to examine buildings. Flammables may be inside.
  • Report broken utilities to the correct authorities.

Flood damage is not usually covered by homeowners insurance. Do not make assumptions. Check your policy.

The National Flood Insurance Program, is a pre-disaster flood mitigation and insurance protection program. The National Flood Insurance Program makes federally backed flood insurance available to residents and business owners National Flood Insurance Program call 1-888-CALL-FLOOD ext. 445, TDD# 1-800-427-5593.

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