When Waters Rise: Must-Have Items For Your Emergency Flood Kit

May 16, 2025
A flooded street lined with green trees and a blue house
What Should Be in Your Emergency Flood Kit?
Essential Supplies:

  • Water (1 gallon per person per day, for at least 3 days)
  • Non-perishable food (3-day supply)
  • Battery-powered or hand-crank radio (preferably NOAA weather radio)
  • Flashlights and extra batteries
  • First aid kit
  • Whistle (to signal for help)
  • Dust masks (to help filter contaminated air)
  • Plastic sheeting and duct tape (for temporary shelter)
  • Moist towelettes, garbage bags, and plastic ties (for sanitation)
  • Wrench or pliers (to turn off utilities)
  • Manual can opener
  • Cell phone with backup battery or charger
  • Cash (ATMs may be inaccessible)

Personal and Safety Items:

  • Extra clothing and sturdy shoes
  • Blankets or sleeping bags
  • Personal hygiene items (toothbrush, soap, etc.)
  • Copies of important documents (IDs, insurance policies, prescriptions) stored in a waterproof container
  • Emergency contact list

Why Flood Insurance Is Crucial

  1. Floods Are More Common Than You Think
    According to FEMA, just one inch of water in your home can cause over $25,000 in damage. Flooding can happen anywhere—not just in high-risk zones. In fact, more than 20% of flood claims come from properties outside mapped high-risk areas.

  2. Homeowners Insurance Doesn’t Cover Flood Damage
    A typical homeowners policy covers water damage from internal sources (like a burst pipe), but external flooding from heavy rain, hurricanes, or rising bodies of water requires separate flood insurance, either through the National Flood Insurance Program (NFIP) or a private insurer.

  3. Peace of Mind in Unpredictable Times
    Flood insurance helps cover repairs to your home’s structure, as well as contents such as furniture, appliances, and electronics. In some cases, it may even cover temporary living expenses while your home is being repaired.

Final Thoughts

At Brad Spurgeon Insurance Agency Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get more information about our products and services by calling our agency at (409) 945-4746. Get your free quote today by CLICKING HERE


Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.

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