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Fire & Water - Cleanup & Restoration

3 Tips for Managing Flood Risk

1/14/2021 (Permalink)

Heavy flooding in a neighborhood,  flooded area Flood damage in Warwick, RI

3 Tips for Managing Flood Risk

The FEMA NFIP program exists to help homeowners recover from damage caused by floods. Floods damage thousands of homes every year, but even homeowners at the highest risk of encountering flood damage can take steps to reduce their risk.


1. Know Your Flood Zone
To mitigate your flood risk, you first need to know what your flood risk is. The Federal Emergency Management Agency's Flood Map Service Center provides free flood maps. You can use these maps to determine whether your property is located in a high, moderate or low-risk flood zone.


2. Purchase Flood Insurance
One of the most important risk management steps you can take is to purchase flood insurance through the FEMA NFIP program. Homeowners located within a high-risk flood zone may be required to purchase this insurance to protect against flooding damage, but it is also available to homeowners outside of high-risk areas. Purchasing flood insurance ensures that if your home is damaged or destroyed in a flood, you will have access to financial compensation that will make it possible to repair or rebuild your home. Even if you already have homeowners insurance, you may need a separate flood policy, because most homeowners policies exclude coverage for flood damage.


3. Protect Your Property From Flooding
If your home is located in a high-risk flood zone, take steps to protect it from flooding such as placing the home on stilts. You can also add landscaping features, such as swales and rain gardens, add runoff drainage to your driveway, plant native plants that increase soil drainage and move interior and exterior equipment above the flood line. If your property floods, contact a flood restoration company in Warwick, RI, to assist with drying it out as quickly as possible.
It is beneficial for all homeowners to manage their flood risk by taking steps such as purchasing flood insurance through the FEMA NFIP program. Homeowners with property located in high-risk flood zones should particularly be aware of managing their flood risk.

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