Emergency · Storm Flooding Emergency

Storm Flooding in Your Home — FEMA, Insurance, and Safety

Storm and flash flooding brings Category 3 contamination. Evacuate if needed, document for FEMA and insurance, and call restoration — standard homeowners insurance does not cover flood water.

(888) 217-3503Mold window: 24 hours

Emergency checklist

Do not enter flooded structures until authorities declare safe — turn off main power if accessible from dry area
⚠ Flood water carries sewage, chemicals, and debris
Evacuate if water is rising, contains sewage, or gas leaks are suspected
⚠ 6 inches of moving water can knock adults off feet
Photograph exterior and interior damage at highest water line before any cleanup
⚠ FEMA and NFIP claims require thorough documentation
Call NFIP/private flood insurer AND homeowners insurer — different policies cover different damage types
⚠ Homeowners insurance does NOT cover ground-level flood water
Register for FEMA assistance at disasterassistance.gov if presidential declaration issued
⚠ FEMA deadline is typically 60 days after declaration
Call IICRC-certified flood restoration — Category 3 protocols required for all porous materials
⚠ Do not use household fans on flood water — spreads contamination

Typical cost range

$5,000 – $50,000

Full cost breakdown

Mold growth timeline

Mold Growth Clock

What happens hour by hour after water damage

elapsed

0h6h12h24h48h72h1wk

or click any marker

Water Intrusion

lowHour 0

Water enters the structure. Clock starts NOW.

Recommended Action

Shut off water source, move valuables off floor, begin documentation with photos/video.

Next milestone: Absorption Begins at 1 Hour

All Milestones

Storm Flooding Emergency FAQ

: No — ground-level flood water, storm surge, and river overflow require NFIP or private flood insurance. Wind-driven rain through roof damage may be covered under homeowners.
: Register at disasterassistance.gov or call 1-800-621-3362 within 60 days of a presidential disaster declaration. Have your insurance info, damage photos, and SSN ready.
: In warm, humid post-storm conditions, mold can begin within 24 hours. Gulf Coast and Southeast flooding requires drying to begin within the first day.

How to Shut Off Your Main Water Valve

Scene 1: Locate meter/utility room. Scene 2: Turn gate valve clockwise. Scene 3: Turn ball valve 90°. Scene 4: Test at faucet.

Video production scheduled — storyboard complete

How to Shut Off Your Main Water Valve — 90-second guide to finding and operating your main water shutoff — the most important emergency skill for water damage prevention.

Read the full guide: hurricane storm surge flooding guide

(888) 217-3503