Preparing for a Flood

Understanding Your Flood Risk

You can become more aware of you flood risk by learning about what it means to live in or around a floodplain. FEMA has created maps of the communities in Dane County that are at risk of flooding. Those maps can provide more information about predicted flood frequency and even the height of the waters of predicted floods. Learning more about how to interpret these flood studies will enable you to use that information to protect yourself and your home or business.

Protect Your Home and Business

There are steps that you can take to make your home or business more resistant to flood damage. These steps range from small, inexpensive projects that you can do yourself to larger projects that your community might undertake.

Buy Flood Insurance

Almost anyone who lives in a community that participates in FEMA’s National Flood Insurance Program can buy flood insurance—regardless of whether they live in a floodplain. Homeowners insurance does not cover damage from flooding. Flood insurance provided through the National Flood Insurance Program protects your most important investment—your home or business and its contents. The insurance is considerably less expensive than federal disaster loans and it is 100 percent backed by the U.S. government.

It is important to know that if you have a federally backed mortgage on a home located in a 100-year floodplain, federal law requires you to purchase flood insurance. Also, if you've received a federal grant for previous flood losses, you must have a flood policy to qualify for future aid.

Protect your Family

Preparing for an emergency ahead of time is one of the most important things you can do to protect yourself and your family. FEMA can help you prepare by explaining how to make a disaster supplies kit, create a plan for how your family will communicate in case of an emergency, plan for evacuation, and improve your individual safety skills.