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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) 840-6512Mold window: 24 hours

Emergency checklist

  1. 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

  2. Evacuate if water is rising, contains sewage, or gas leaks are suspected

    ⚠ 6 inches of moving water can knock adults off feet

  3. Photograph exterior and interior damage at highest water line before any cleanup

    ⚠ FEMA and NFIP claims require thorough documentation

  4. Call NFIP/private flood insurer AND homeowners insurer — different policies cover different damage types

    ⚠ Homeowners insurance does NOT cover ground-level flood water

  5. Register for FEMA assistance at disasterassistance.gov if presidential declaration issued

    ⚠ FEMA deadline is typically 60 days after declaration

  6. 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

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elapsed

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or click any marker
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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

Does homeowners insurance cover storm flooding?
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.
How do I apply for FEMA assistance?
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.
When does mold start after flood water?
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 Replace a Main Shutoff Valve | Ask This Old House — This Old House walks through locating, operating and replacing the main water shutoff valve — the most important emergency skill for limiting water damage. Read the full guide →

Read the full guide: hurricane storm surge flooding guide

(888) 840-6512