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Flood Preparedness Checklist

Ordered by what actually kills: over half of US flood drownings happen in vehicles, most of the rest on foot, and the house — where all the money goes — is a distant third.

0/28 packed

Decide now — before there is water

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Every one of these is a decision made badly under pressure and well in advance. None of them cost anything today.

  • Name the low points on your daily routesThe road that kills you is one you know well. List the dips now, while they are dry.
  • Pick a high-ground alternate route to home and to work
  • Turn on Wireless Emergency Alerts on every phoneA flash flood warning can arrive under a clear sky — the rain fell upstream hours ago.
  • Know watch vs warningWatch = conditions are right, move the car uphill now. Warning = go to higher ground.
  • A NOAA weather radio that wakes you up
  • Agree the household rule out loud: nobody drives through water, everIncluding around a barricade. Especially around a barricade.
  • Agree a meeting point on high ground + an out-of-area contact

The house — cheap fixes that work while you sleep

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One inch of water in a house is roughly $25,000 in damage (FEMA). Elevation is permanent; sandbags are a bad night’s work that mostly does not hold.

  • Move irreplaceable documents out of the basementTwenty minutes, worth more than every sandbag you will ever fill.
  • Get furnace, water heater and electrical panel above the expected water line
  • Battery or water-powered backup for the sump pumpFloods and power cuts arrive together; a mains-only pump is off exactly when it matters.
  • Check whether you actually have flood coverMost homeowners policies exclude flood, and a new NFIP policy has a 30-day wait — you cannot buy it once the storm is named.
  • Photograph every room and store it in the cloudTen minutes now; it is the difference between a claim and an argument.
  • Clear gutters, drains and the culvert nearest the house
  • Nothing irreplaceable stored at floor level anywhere

When the warning comes

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Short list on purpose. If you are reading this during a warning, do the first three.

  • Go to higher ground — do not wait to be told twice
  • Move the car to high ground while the roads are still dry
  • Grab the go-bag: documents, meds, cash, chargers
  • Fill containers with clean waterAssume the tap is unsafe once flooding starts, until the utility says otherwise.
  • Charge phones and the power bank
  • Know where the gas and electrical shutoffs are — and how to work them
  • If trapped: highest level, call 911 — never a closed atticAn attic without roof access is a sealed box with water rising in it (Ready.gov).

After the water goes down

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The flood is not over when the water leaves. Mold starts in 24–48 hours, and everything the water touched is contaminated.

  • Treat all floodwater as sewage: boots, gloves, no bare skin
  • Do not touch electrical equipment while wet or standing in waterA submerged panel is not a homeowner job.
  • Assume tap water is unsafe until the utility clears it
  • Get air moving and humidity down within 48 hoursCDC/EPA: mold generally takes hold on anything wet longer than about two days.
  • Pull out soaked drywall, insulation and carpet rather than hoping it dries
  • N95 and gloves for any cleanup
  • Photograph the damage before you clear anythingCleaning first and claiming second is how people lose the claim.
Progress is saved in this browser only — nothing leaves your device. Printing gives you empty boxes on purpose: the paper copy is the one you tick with a pen while packing. More scenarios →

The gear on this list

The five items on the list you probably do not already own — the radio that wakes you for a warning, power and light for when the grid goes with the water, and the filter and masks for afterwards. As an Amazon Associate we earn from qualifying purchases, at no extra cost to you.

FosPower NOAA Emergency Radio

Hand-crank, solar, and weather alerts. Works when the towers do not.

4.6 · 37,774 ratings · checked Aug 2026
Check price on Amazon
BLAVOR Solar Power Bank

Tops itself off in the sun. The one that still works on day four.

4.4 · 21 ratings · checked Aug 2026
Check price on Amazon
WUBEN L50 Rechargeable Flashlight

The light you actually grab first. USB-C, no scavenging for cells.

4.5 · 2,696 ratings · checked Aug 2026
Check price on Amazon
Sawyer Squeeze Water Filter

Rated to 100,000 gallons. The prepper default that never expires on a shelf.

Check price on Amazon
NIOSH-Approved N95 Respirators

N95 or nothing — a surgical mask does nothing for smoke particulate.

Check price on Amazon

Why this order

Six inches knocks you down, twelve floats a car, eighteen takes a truck — and the road that kills you is one you know well. The full reasoning, with the numbers.

Read: Flood Preparedness: Most of the Deaths Are in Cars
The bag that goes with it

Flooding is the most common reason people leave in a hurry. The Go Bag (72-Hour Kit) is the 72-hour layer already packed — and the go-bag checklist covers the documents that belong out of the basement.

See the Go Bag (72-Hour Kit)Bug-out bag checklist
More checklists are coming

Winter storm and boil-water notice are next. One email per new checklist or guide — nothing else, unsubscribe whenever.

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Part of Prepare by scenario — every catastrophe we cover, one page.