How Can I Protect My House From Flooding?

Determine Your Area’s Risk of Flooding

All 50 states have experienced flooding within the last 5 years, according to the Federal Emergency Management Agency (FEMA).

While you can always check with FEMA’s website to gauge your area’s flood risk, we also recommend asking neighbors who have lived in the area for a while. Getting an accurate depiction of your area’s flood risk can help you prepare for potential water damage in the long term.

Install a Sump Pump in Your Basement or Crawlspace

Did you know your homeowners insurance probably doesn’t cover flood damage? According to the Insurance Information Institute, only 12% of American homeowners polled in 2016 had flood insurance.

If you don’t have a flood policy, perhaps it’s time you considered getting one. Even if you live in a low- or moderate-risk area for flooding, some homeowners argue that it’s better to be safe than sorry.

If you decide to get flood insurance, you’ll want to carefully consider different policies before you commit. Some policies only cover the physical structure of your building while others only cover the personal contents inside. Some policies cover both, but are more expensive. Only you will be able to make the right decision for your budget and the level of protection you want for your house.

Prevent Frozen Pipes

In the late fall and winter frozen pipes are more likely to burst, spraying water all over your floors, furniture, and belongings. If there will be periods of time when you’re out of your house during cold weather, it’s important that you take measures to prevent frozen pipes during the upcoming winter.

Even if you’re just going to be gone for a week, it’s important that you take steps to protect your plumbing so you can focus on enjoying your vacation. Set your thermostat no lower than 55 degrees Fahrenheit while you’re gone. That way, you won’t ever have to come home to significant flooding and water damage from a burst pipe.