The Atlantic Hurricane Season begins today. Dare County
urges residents and property owners to make preparations now to protect
their homes and property against flood damage. Contrary to popular
belief, 1 in 4 flood losses occur in low-risk X zones.
“I urge all property owners to review their insurance policies to
make sure they have adequate coverage. Although property in X zones is
considered to have minimal risk, X zone property owners should consider
purchasing a preferred risk flood insurance policy. Flooding doesn’t
follow the boundaries of a mapped flood zone,” remarked Planning
Director Donna Creef.
Assess flood risk: Dare County is one of the most affected
counties when it comes to hurricanes and tropical storms. Residents and
property owners have seen firsthand the destructive nature of flooding
in our area. Floodsmart.gov offers a one-step flood risk profile, using
your address to assess risk factors for flooding and provide you with
valuable information and tips to protect your property. Local insurance
agents may also provide flood risk information.
Review insurance coverage: Carefully review your insurance
policies and find out specifics on what is or is not covered. If you
recently renovated your property, be sure your coverage includes the
cost of improvements. Most basic homeowners insurance policies do not
cover flood damage and you may need to purchase a policy that includes
not only the structures on your property but contents as well. Renters
should speak with their insurance agents to ensure coverage of personal
property in the event of a flood. Don’t wait to review your coverage
until a storm is approaching, there is typically a 30 day waiting period
for flood insurance policies to take effect. Learn more about flood
insurance by visiting FloodSmart.gov and FEMA.gov.
Conduct a Property Inventory: In order to process a flood
insurance claim, insurance companies may request a written and/or visual
record of all major household items and valuables. Take a video of
your property and its contents with your smartphone and email the file
to yourself to archive/save for future use. Be sure and keep a file of
serial numbers and store receipts for major appliances and electronics.
Keeping digital records will enable property owners to access them
anywhere without fear of losing them to fire, flood or any other
Reduce flood damage risk: A few proactive home maintenance and
improvement measures can mean the difference in hundreds versus
thousands of dollars in flood damage.
- Make sure rain gutters and drains on your property are clean.
Regularly cleaning and maintaining gutters and storm drains and removing
debris from your property will allow the free flow of potential
- When the possibility for flooding is apparent, move valuables and sentimental items to the highest floor of your property.
- Install backflow valves in waste lines to prevent water from flowing in one direction.
For more information about flood insurance and the National Flood Insurance Program, visit FloodSmart.gov and FEMA.gov.