Consider measures for flood proofing your home. Consider purchasing flood insurance. Flood losses are not covered under homeowners' insurance policies. Flood insurance is available in most communities through the National Flood Insurance Program. There is usually a period before it takes effect, so don't delay.
Flood insurance is available whether the building is in or out of the identified flood-prone area.
Insure your property and possessions. Leave a copy with your insurance agency. Update your inventory and review your coverage with your insurance agency periodically. Keep all of your important records and documents in a safe deposit box or another safe place away from the premise. Move valuable household possessions to the upper floor or relocate to another location if flooding is imminent and there is time.