“We learn time and time again that you just don't need to live in a mapped floodplain to need flood insurance, and it just doesn't pay to quibble over what side of a line on a flood map one lives on,” said Hunsinger. “The fact is— twenty to 25 percent of all flood insurance claims are filed in low-to-moderate flood-risk areas where flood insurance premiums can be a real bargain.”

Property owners and renters need to know that they can take steps to protect their property and financial security before disaster strikes. However, many eligible residents are unaware that they qualify or that affordable flood insurance is available. Residents can begin to take steps now to protect their home and assets from rising floodwaters at any time.

• Make sure gutters and drains are cleared. Clean and maintain storm drains and gutters and remove debris from your property to allow free flow of potential floodwater.
  
  
• Move valuables and sentimental items to the highest floor of your home or business.
  
  
• Install backflow valves in waste lines to keep water flowing in one direction.
  
  
• Protect your well from contamination.
  
  
• Anchor or elevate fuel tanks and elevate the main breaker or fuse box and the utility meters above the anticipated flood level in your home or business, so that floodwater won't damage utilities.
  
  
• Make sure you have the right insurance: Review your insurance policies and find out what they do and do not cover. Learn the difference between replacement cost coverage versus standard coverage, which only pays the actual cash value of insured property. Be sure that you have enough insurance to cover recent home renovations or improvements.
  
  
• Know that most homeowners insurance policies do not cover flood damage, so be sure to consider flood insurance for both your structure and its contents. There is typically a 30 day waiting period for a flood insurance policy to take effect. Learn more by visiting FloodSmart.gov and www.Fema.gov.
  
  
• Learn your flood risk. Properties that are not located within high-risk areas can also flood. Find out your flood risk right now by entering your address at FloodSmart.gov "Assess Your Risk.” Insurance agents can also help check your risk.
  
  
• Purchase a flood insurance policy. If you already have a flood policy, remember: your policy needs to be renewed each year.
  
  
• Plan and practice a flood evacuation route, ask someone out of state to be your “family contact” in an emergency, and make sure everyone knows the contact's address and phone number.
  
  
• Build an emergency supply kit: Food, bottled water, first aid supplies, medicines, and a battery-operated radio should be ready to go when you are. Visit www.ready.gov for a complete disaster supply checklist.
  
  
• Inventory your household possessions: For insurance purposes, be sure to keep a written and visual (i.e., videotaped or photographed) record of all major household items and valuables, even those stored in basements, attics or garages. Create files that include serial numbers and store receipts for major appliances and electronics. Have jewelry and artwork appraised. These documents are critically important when filing insurance claims.
  
  
• Store copies of irreplaceable financial and family documents in a safe place, preferably one that is protected from both fire and water. Documents include automobile titles, tax records, stock and bond certificates, deeds, wills, trust agreements, birth and marriage certificates, photos, passports and insurance policies. Keep originals in a rented safe deposit box. And don't forget the household inventory file!
  

Flood insurance is available through nearly 100 insurance companies in more than 21,000 participating communities nationwide. Everyone can purchase flood insurance – renters, business owners, and homeowners. Nation-wide, the average flood insurance policy costs around $563 a year. And in low- to moderate-risk areas, lower-cost Preferred Risk Policies (PRPs) start at just $119 a year. Individuals can learn more about their flood risk and how to protect their property by visiting www.FloodSmart.gov or by calling 1-800-427-2419.

FEMA's mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.