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    • Flood Testimonials
  • Learn your flood risk: Anywhere it can rain, it can flood.
  • 1 out of every 4 flood claims comes from a moderate- to low-risk flood area.
  • Learn your individual flood risk by entering your address at www.FloodSmart.gov.
  • Make an evacuation plan: Prepare and practice a flood evacuation route.
  • Ask someone out of state to be your family contact in an emergency.
  • Make sure everyone knows the contact’s address and phone number.
  • Plan where to park and leave your car in case of an evacuation.
  • Build an emergency supply kit: Food, bottled water, first aid supplies, medicines, etc.
  • Visit www.BeReadyIowa.org for a disaster supply checklist.
  • Monitor the weather and sign up for free phone and text alerts in your community.
  • Know and understand conditions that cause flooding.
  • Plan for your pets: Many shelters do not allow pets.
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  • Consider taking some simple steps to reduce the risk of flood damage to your home and your belongings.
  • Visit www.FLASH.org. for ideas and information.
  • Check if you can install a valve to stop sewer back-up into your basement.
  • Consider options during construction: Elevate your property and use flood-resistant materials.
  • Conduct a household inventory: For help in conducting a home inventory, visit www.KnowYourStuff.org.
  • Store copies of irreplaceable documents (birth certificates, passports, etc.) in a safe, dry place.
  • Keep original documents in a safe deposit box.
  • Learn how to shut off all your utilities in case you have to evacuate.
  • Elevate and anchor your tanks (such as hot water heater or LP tank) and furnace.
  • Keep kids away from flood waters. They are less likely to understand the dangers.
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  • Make sure you have the right insurance coverage:
  • Most homeowners insurance policies do not cover flood damage or sewer backup, so be sure to consider flood insurance for both your structure and its contents.
  • There is typically a 30-day wait for a flood insurance policy to take effect.
  • Ask your insurance agent if an additional rider for water in your basement from sewer backup is right for you.
  • Consider flood insurance: The average flood insurance policy premium is around $750 a year and provides structure and contents coverage. In moderate- to low risk areas, homeowners can protect their properties with lower-cost Preferred Risk Policies (PRPs).
  • Find out if your community participates in the National Flood Insurance Program at www.FloodSmart.gov.
  • If it doesn’t, ask your community leaders about participation in this free program. It can make flood insurance an option for you.
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