How Do I Create a Flood Preparedness Plan for My Home?
Last updated October 26, 2026
The short answer
Assess Your Flood Risk
Begin by checking your home for low points where water might enter, like basement windows, door thresholds, and foundation cracks. Look at your yard's grading to see if rainwater flows toward the house. Wet winters can bring heavy rain, so plan for that season.
Identify what you value most inside your home, such as electronics, documents, and furniture. Move these items to higher floors or shelves if possible. Knowing your risk helps you decide what to protect first and where to store emergency supplies.
Know Your Shutoff Points
Find your main water shutoff valve and learn how to turn it off quickly. Also locate the gas shutoff valve if you have gas service, but only turn it off if you smell gas or are told to do so. Write down these locations and keep the list with your emergency kit.
Practice turning off the water with everyone in your household. This simple step can limit damage if a pipe bursts during a storm. Also know where your electrical panel is and how to shut off power safely, but never touch it if water is present.
- Main water shutoff valve location
- Gas shutoff valve location
- Electrical panel and breaker switches
- Sump pump or backup generator, if you have one
- First aid kit and emergency contacts
Build an Emergency Kit
Your kit should include water, non-perishable food, flashlights, batteries, a first aid kit, and any medicines you need. Add important documents in waterproof bags, including insurance policies and identification. Keep the kit in an easy-to-reach spot that is unlikely to flood.
Also pack a change of clothes, blankets, and a phone charger. Consider adding a battery-powered radio for weather alerts. Check your kit twice a year, especially before the rainy season, and replace expired items.
- Water: one gallon per person per day for three days
- Non-perishable food and a manual can opener
- Flashlights and extra batteries
- First aid kit and medicines you take regularly
- Copies of important documents in waterproof bags
- Cash and a list of emergency contacts
Document Your Belongings
Walk through your home and take photos or videos of each room, including closets and storage areas. Keep a written list of valuable items, their approximate age, and where you bought them. Store this inventory in a safe place, like a waterproof container or a digital folder.
This record helps you remember what you own if flooding damages your property. It also supports any insurance claim you might file. Update the inventory whenever you buy something significant. Policies vary, and your insurer decides what is covered.
Plan Your Response
Decide in advance where you will go if flooding affects your home. Choose a safe spot, like a friend's house or a community shelter, and share the plan with your household. Also agree on a meeting point in case you get separated.
Practice your plan with a quick drill, so everyone knows what to do. Keep your emergency kit near the exit you would use. If you have time before a flood, move valuables to higher ground and shut off utilities as planned.
Talk to someone now
Water keeps spreading into floors and walls, so it is worth acting early. Calls are answered 24/7.
Call Now (510) 318-3798Frequently asked questions
What should I do if water starts entering my home?
Turn off the electricity if it is safe to do so, and shut off the main water valve if the water is from a burst pipe. Move valuable items to higher ground. Do not walk through moving water, and see a doctor if you feel unwell. Contact local water damage pros for help.
How often should I update my flood preparedness plan?
Review your plan at least once a year, ideally before the rainy season. Update it after any major change in your home, like a renovation or new family member. Also refresh your emergency kit and replace expired supplies to keep everything ready.
Does my insurance cover flood damage?
Flood coverage depends on your specific policy. Some policies cover water damage from burst pipes, but not from rising water. Check your policy documents and ask your insurance agent about flood coverage. Policies vary, and your insurer decides what is covered.
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