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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.

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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 →

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.