When a major disaster hits causing a large number of flood claims, the Federal Emergency Management Agency (FEMA,) will set up several types of temporary field offices to coordinate flood insurance claims effectively and efficiently, such as Flood Response Office, Claims Coordinating Office, but it’s more important to stay prepared on your own and know the drills.
According to FEMA, everyone lives in a flood zone— it’s just a question of whether you live in a low, moderate or high-risk area. Make yourself aware of the dangers, and be prepared to deal with destructive floodwaters.
1. Floods are the number one natural disaster in the U.S.
2. In the past five years, all 50 states have experienced floods or flash floods.
3. In a high-risk area, your home is more likely to be damaged by a flood than by fire.
4. Hurricanes, winter storms and snowmelt are common (but overlooked) causes of flooding. New land development can also increase flood risk, especially if the con- struction changes natural runoff paths.
5. Flash floods often bring walls of water 10 to 20 feet high.
6. A car can easily be carried away by just 2 feet of floodwater.
7. Just a few inches of water from a flood can cause tens of thousands of dollars in residential damage.
8. Most homeowners insurance does not cover flood damage.
9. Between 2003 and 2012, total Ameri- can flood insurance claims averaged nearly $4 billion per year.
10. You are eligible to purchase flood insurance as long as your community participates in the National Flood Insur- ance Program. Visit floodsmart.gov for more information.
RELATED: 20 Ways to Prepare Against Floods
This article was originally published in the Survivor’s Edge ™ Summer 2015 issue. Subscription is available in print and digital editions here.