Category Archives: Flood

Top Ten Tips for Disaster Safety in 2021

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Affordable, Simple, and DIY Ways to Protect Your Home

This year brought a record breaking-breaking hurricane season; wildfires burned nearly nine million acres; ongoing winter storm alerts; and a pandemic. While there is good news on the horizon as the COVID-19 vaccine rolls out, people may continue to work, educate, and vacation at home. To take advantage of the time at home, the nonprofit Federal Alliance for Safe Homes (FLASH) offers these ten tips to get your home and family ready in 2021.

1. Know Your Risk: No Cost – Click here to learn more National Center for Disaster Preparedness  

  • No matter where you live, you are at risk for some type of disaster. To prepare, you must understand what risks you face. You can start your search online by searching for the disaster history in your community. Use keyword searches and phrases for each peril, such as “earthquake and your town.” From there, you can learn not only what happened but also how fast or well your hometown recovered.
  • Remember, just because a community hasn’t experienced disaster already doesn’t mean it won’t happen in the future.

2. Earthquake: $20 or less – Click here Purchase a Gas Shutoff Wrench

  • It starts with a wrench! Fires caused by earthquakes are the second most common hazard after the quake and can be even more deadly. Broken gas lines caused by the shaking can cause deadly fires.
  • Minimize your risk by learning in advance how to turn off their main gas line. Make sure to locate the gas shutoff valve and purchase a gas shutoff wrench to shut off the gas supply manually. Keep the wrench near the gas shutoff, so it is easy to locate. This type of tool is typically under twenty dollars.

3. Flood: Cost Varies – Click here Purchase Flood Insurance

  • Where it rains, it can flood. Purchasing flood insurance is one of the best financial protections for your home. Most homeowner insurance policies do not cover flood damage, but nearly every home has some level of flooding risk. Even if you live outside mapped high-risk flood zones in a moderate or lower risk location, you need flood insurance. Typically, the lower the risk, the lower the cost.
  • On average, full primary coverage for a 250-thousand-dollar home with 100 thousand dollars in contents, the premium is $572 in low-risk X zones. Remember that there is a 30-day waiting period before flood policy coverage goes into effect. You can determine your flood risk by contacting your insurance professional, local growth management agency, building and zoning department, or visiting floodsmart.gov.

4. Hurricane: $20 or less – Click here Strengthen Your Soffits

  • A residential soffit is a horizontal surface outside on the underside of the eaves. The eave is an area of the roof which overhangs the exterior walls. Properly installed and braced soffits resist wind forces and keep water out when the wind drives rain against the outside walls and up into the attic of your home. So follow these DIY steps to ensure that soffits stay in place when it matters most. A caulk gun is typically under five dollars, and a tube of caulk is an average of three dollars.

5. Tornado: Approximately $3000 – Click here Build or Buy a Safe Room or Shelter

  • Having a tornado safe room or shelter in your home can help provide near-absolute protection for you and your family from injury or death caused by the dangerous forces of extreme winds. Having a safe room can also relieve some of the anxiety created by an oncoming tornado threat.
  • According to FEMA, prefabricated safe rooms typically cost less than site-built safe rooms and are available in smaller sizes. A small, 10-square-foot, residential, prefabricated safe room may cost as little as $3,000.

6. Wildfire: No Cost to Low Cost – Click Here Create a Defensible Space

  • If combustible yard debris, trees, shrubs, other vegetation, or materials surround your home, your property is at a heightened risk of wildfires. With a wildfire-resistant landscaping plan, you can make a defensible space around your home and reduce your wildfire threat. Defensible space is one of the most cost-effective ways to protect a building from a wildfire.
  • Limit the amount of flammable vegetation and materials surrounding the home and increase the remaining vegetation’s moisture content. This design breaks down into zones. Zone 1 is closest to your home; Zones 2-3 move further away. Here are some basics for the homeowner to get started.
    • Zone 1:
      • This well-irrigated area surrounds your home for at least 30 feet on all sides, allowing room for fire suppression equipment if needed. Clear combustible materials; replace flammable vegetation; prune branches and shrubs to create 15 feet of space from the structure, from the ground, and between trees. Limit plants to carefully spaced low flammability species. Consider landscaping alternatives to shrubs, such as a rock garden.
    • Zone 2:
      • 30-100 feet out. Use low flammability plants that are low growing. Replace flammable vegetation, create “fuel breaks” such as driveways and gravel walkways, prune tree limbs 6 to 10 feet from the ground. The irrigation system should include this section.
    • Zone 3:
      • 100-200 feet out. Remove underbrush and thin vegetation, ensure that you place firewood at least 100 feet away from the structure, and keep tall trees from creating touching canopies.
  • Remember, before fire season begins, remove combustible litter on roofs and gutters and trim tree branches that overhang the roof and chimney. Consult your local or state fire agency or qualified fire management specialist about codes, requirements, and standards related to defensible space.

 7. Winter Freeze: Cost typically under $20 – Click Here Foam, Dome, and Drip

  • Frozen water pipes are one of the costliest threats to your home. You can prevent frozen water pipes by doing something called Foam, Dome, and Drip.
    • FOAM: Insulate pipes exposed to the elements or cold drafts. You can stop pipes from freezing and save energy for as little as $1 per 6′ of insulation. By keeping your water warmer, you reduce the amount of energy needed to heat water in the cold, winter months.
    • DOME: Place an insulating dome or other coverings on outdoor faucets and spigots to reduce the likelihood of water pipes freezing, expanding, and causing a costly leak. The cost of these domes is less than three dollars each.
    • DRIP: Allow a slow drip from your faucets to reduce the buildup of pressure in the pipes. Even if the pipes freeze, the water system’s released pressure will reduce the likelihood of a rupture. If you are going out of town and suspect the temperature will drop, turn off the water and open all of the taps to drain the water system. This way, pipes won’t freeze, and you won’t return home to a mess. FREE!

8. Create a Home Inventory: No Cost – Click Here

  • One of the fastest and simplest ways to create your inventory is by using your mobile phone to both video and photograph items as well as entire rooms, closets, and drawer contents. As you map out the plan for your inventory, think about each room and section of your home. Don’t forget your attic, basement, closets, garage, and detached structures, such as tool sheds. For a full detailed list on how to create a home inventory, click here.

9. Have an Insurance Checkup: No Cost – Click Here

  • Review your coverage with your insurance agent to make sure you have the right financial resources to rebuild, recover, and bounce back from a disaster. These are the topics that you should be sure to discuss:
  • Coverages – Know Your Basics
    • What types of things does my policy cover?
  • Deductibles and Claims
    • For example, did you know that you may have coverage for food that spoils when the power fails even if your home isn’t damaged? Moreover, did you know that food spoilage coverage is often deductible-free?
  • Discounts and Incentives
    • What types of discounts are available?
    • Does my community’s building code affect my rates?
  • For full instructions on having an insurance checkup, click here.

10. Know Your Building Code: No Cost Inspect to Protect.org

  • Building codes are the foundation for resilience and can be complex; however, you can determine your community’s type of building code by visiting the consumer-friendly Inspect2Protect.org. InspectToProtect.org allows you to identify the building codes by inputting their address to see a map with a color-coded analysis. Once you understand how your home was built, you will have the knowledge needed to better prepare for severe weather events and natural disasters.

For more information, visit www.flash.org or email info@flash.org.

The Five Steps to #HurricaneStrong

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Get your home and family hurricane season ready by preparing before a storm approaches by following these five #HurricaneStrong steps.

Personal Safety – Know Your Evacuation Zone

One of the most critical steps for survival is to identify whether you reside in a storm surge evacuation zone and to develop a plan for where you will be when the waters rise. Once you have your plan in place, heed all evacuation orders, and do so quickly. Remember, making the right decision to either stay or leave on a timely basis will keep you, your family, and your community’s first responders out of harm’s way. Use this updated list from FLASH to Find Your Evacuation Zone today.

Family Preparedness – Secure Supplies and Build a Kit

You’ll need to plan for two situations—remaining home or evacuating to a different location. Click here for a comprehensive list of supplies that you will need to stay comfortable and safe.

Related Podcasts:

  1. Skills + Supplies Today = Safety and Survival Tomorrow feat. Sean Reilly, District Manager for Lowe’s along North and South Carolina coast-between Myrtle Beach and Morehead City
  2. #HurricaneStrong Home Hacks that Save Time and Money feat. Bill Ferimer, Lowe’s Store Manager in Wilmington, North Carolina

Financial Security – Talk with Your Insurance Agent 

Homeowners, renters, and flood insurance policies are the most effective financial recovery tools available for storm victims, but often many realize too late that flood insurance is a separate policy that requires a 30-day waiting period. It’s likely that you won’t be able to add a flood policy or change any of your regular policy coverages if a storm is imminent, but you should still contact your agent or company in advance. Understanding your policy limits, co-pays, deductibles, and where to call with any claims will come in handy if you are affected by the storm. Find out what types of insurance you need in this guide, If Disaster Strikes will You Be Covered? 

Related Podcasts:

  1. Have an Insurance Checkup and Make Your Policy #HurricaneStrong feat. Amanda Chase, State Farm Agent
  2. Take Steps Today for a Smooth Hurricane Claim Process Tomorrow feat. Elizabeth Gulick – Vice President of Claims Operations, USAA and member, FLASH Board of Directors

Strengthen Your Home – Reduce Home and Contents Damage

It’s time to get the house ready for hurricane season. A well-built home can stand up to hurricanes so gather the family to make sure your house is hurricane-ready. The best place to start is by visiting InspectToProtect.org. Use this tool to determine the building codes used in your community today or contact your local government for information about building codes used in the past.

You can strengthen your home by performing a Do-It-Yourself Wind Inspection to find out what needs attention. Once you finish the inspection you can get started with these one hour, one day or one weekend activities. You can find checklists and how-to videos here.

Related Podcasts:

  1. The Scoop on Hurricane Shutters feat. Tim Robinson, Managing Partner of (GPP) and President of the International Hurricane Protection Association
  2. Anne Cope on Science That Makes Us #HurricaneStrong feat. Dr. Anne Cope, Chief Engineer, IBHS

Community Service – Help Your Neighbor

You and your family are now prepared to confront a hurricane, its time to think about how you can help your community. Here are a few ideas to get you started.

  • Be sure everyone has a plan. Exchange information so you can stay in touch.
  • Discuss how you may be able to help each other if someone is out of town. Neighbors can help each other by clearing yard debris and creating a checklist of the items to bring inside during a high-wind event.
  • Get involved in community-wide efforts. One of the best things you can do for your neighbors, and yourself, is to be sure there’s a solid plan and a network of resources for everyone in the community, and that they know how to use them.

Whether you reside along the coast or well inland, planning now and following the above advice can help you should a storm head your way. For more information, visit www.flash.org, email info@flash.org, follow @FederalAlliance on Twitter, follow FLASH on Facebook, or call (877) 221-SAFE (7233).

How to Be #HurricaneStrong for Michael

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  1. Minimize Danger – Understand the Power of Rushing Water

According to the National Hurricane Center, storm surge accounts for approximately half the deaths in hurricanes since 1970. The National Weather Service (NWS) tells us that these tragedies happen because people underestimate the force, speed, and power of water. A modest six inches of fast-moving water can knock down an adult, 12 inches can carry away a small car, and 24 inches will move an SUV. That’s why FLASH and NWS created the Turn Around, Don’t Drown program in 2003 with lifesaving reminders. Watch this video to learn more, and remember that where it rains, it can flood.

  1. Know Your Zone – Define Evacuation Needs

One of the most critical steps for survival is to identify whether you reside in a storm surge evacuation zone and to develop a plan for where you will be when the waters rise. Once you have your plan in place, heed all evacuation orders, and do so quickly. Remember, making the right decision to either stay or leave on a timely basis will keep you, your family, and your community’s first responders out of harm’s way. Use this updated list from FLASH to Find Your Evacuation Zone today.

  1. Avoid Regrets – Secure Supplies and Build a Kit

You’ll need to plan for two situations—remaining home or evacuating to a different location. Click here for a comprehensive list of supplies that you will need to stay comfortable and safe.

  1. Act Now – Reduce Home and Contents Damage

You still have time to take some meaningful steps to protect your property the storm. Take the following actions to protect from expected flooding:

  • Clean out gutters and ensure downspouts are clear to allow water to flow away from the home.
  • Prepare and place sandbags using these steps to ensure they don’t topple. (Don’t forget to review safe disposal guidelines.)
  • Elevate, wrap, and move valuable carpets, electronics, and furniture to a higher floor or alternate location.
  • Secure cleanup materials (masks, gloves, mops, buckets, bleach, etc.) before the storm.

Click here for a full list of pre-storm flood mitigation options. If you reside in an area where high winds are expected, click on this link to read or watch a video with hurricane prep steps broken into one-hour, one-day, and one-weekend checklists.

  1. Talk with Your Insurance Agent

Homeowners, renters, and flood insurance policies are the most effective financial recovery tools available for storm victims, but often many realize too late that flood insurance is a separate policy that requires a 30-day waiting period. It’s likely that you won’t be able to add a flood policy or change any of your regular policy coverages if a storm is imminent, but you should still contact your agent or company in advance. Understanding your policy limits, co-pays, deductibles, and where to call with any claims will come in handy if you are affected by the storm. Find out what types of insurance you need in this guide, If Disaster Strikes will You Be Covered? 

Whether you reside along the coast or well inland, planning now and following the above advice can help you any storm heads your way. For more information, visit www.flash.org, email info@flash.org, follow @FederalAlliance on Twitter, follow FLASH on Facebook, or call (877) 221-SAFE (7233).

September 30 is National PrepareAthon! Day – Be Smart. Take Part. Document and Insure Your Property

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With signs of fall creeping up across the country, families may be feeling as if the hurricane season is over. The experts say no. In fact, September is not only the peak of hurricane season, September 30 is National PrepareAthon! Day the perfect time to take stock of disaster plans.

Today, National Hurricane Center Director Dr. Rick Knabb joined forces with Federal Alliance for Safe Homes (FLASH) President and CEO Leslie Chapman-Henderson during a national satellite media tour to raise awareness about flood and hurricane safety, prevention and financial protection options.

“Hurricanes are not just a coastal problem,” said Knabb. “Their impacts can be felt hundreds of miles inland. You need to find out what types of hazards could happen where you live, and then start preparing for how to handle them.”

Chapman-Henderson concurs. “If a disaster strikes, having the proper insurance for your home is the best way to ensure you will have the necessary financial resources to help you repair, rebuild, or replace whatever is damaged.”

Before a disaster strikes, get #HurricaneStrong with these tips:

  • Be Smart. Take Part. Document and Insure Your Property. Have an insurance check-up. Coverage amounts, deductibles, and payment caps can vary significantly. Consult with your insurance professional to be sure your policy is right for you. Make updates based on new purchases, renovations, increases in property value, or increases in costs to rebuild or replace items. Buy flood insurance. This is not part of your homeowners’ policy and there is a 30-day waiting period before coverage begins.
  • Know your evacuation zone. Plan your escape route, where you will stay and what you will do with your pets. Storm surge is the greatest threat to life and property from a hurricane regardless of wind speed.
  • Family Preparedness – Build a disaster supply kit. You’ll need to plan for two situations: Remaining in your home after a disaster or evacuating to a safer location. Keep cash on-hand because ATMs won’t function during a power outage.
  • Damage Prevention – Strengthen your home. The best place to start is with a Do-It-Yourself Wind Inspection to find out what needs attention. Make a list of what needs to be done, such as securing loose items that could be blown away by high winds. Trim your trees of dead branches that could become windborne missiles.
  • Community Service – Help your neighbor. Join with others to prepare for emergencies and participate in National PrepareAthon! Day on September 30.

For more information, visit ready.gov/prepare, flash.org or hurricanestrong.org.

View the Interactive MultiMedia Release

 

Coastal or Inland: Where it Rains – It Can Flood

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By John Zarrella – Former CNN Correspondent

The rain had been coming down for days.  By the early morning hours of November 6, 1977, an earthen dam near the North Georgia town of Toccoa couldn’t take it any longer and ruptured. The people at a tiny Bible College downstream were mostly asleep when the flood waters hit.  Thirty-nine perished. Many were children.

At the time, I was working for a local Atlanta television station.  I had only been in the business a couple of years.  Now, nearly forty years later, Toccoa remains the deadliest flood event I was ever involved in covering.

Unless you hatoccoa03d relatives there or were a journalist, Toccoa is one of those largely forgotten moments in history.   But it is, and should be, a tragic reminder of how quickly inland flooding can change or even take your life.

At Toccoa the people never had a chance.  But in most flooding events, people who die didn’t have to. That’s right, they didn’t have to! How many times have you heard this:  “Some of these people on the highway trying to drive through this stuff—they’re very stupid.” That was a quote to CNN from a Missouri flood victim this past December.

If you look at federal statistics, more than half of all flood related deaths come when a car is driven into water.  Bill Read is a former Director of the National Hurricane Center.  Even in hurricanes, inland flooding is the number one killer.  Read told me, “they don’t think it’s as bad as it really is and they drive into it and it’s too late when they finally figure out its going to float their car.”

People who survive always, Read says, have the same refrain, “The people that are rescued or made it out alive they almost invariable say ‘I didn’t think it was going to be that bad.’”

It’s not as if the “stay out of the water” messaging isn’t out there.  The “Turn Around Don’t Drown” program by the Federal Alliance for Safe Homes and the National Weather Service is exactly what it says.  Don’t drive into that water!   The yellow signs are in high risk, low lying areas around the country.  Local meteorologists always get out that message to their audience whenever there’s a flood threat.

Over the course of forty years, Read has seen every kind of flooding imaginable – from hurricanes, flash floods, to riverine.  “The most phenomenal thing to me was just the incredible rate of rainfall. We’ve had events where the hourly rainfall rates approach 4 to 6 inches in an hour. Almost nobody lives in an area that can be designed to handle the runoff from that kind of rain. So it almost invariably leads to rather severe flooding.”

Read’s takeaway from all he’s witnessed, we must be aware of our risk.  And he adds, that risk is not is not isolated to one part of the country or another.  “When you come right down to it there’s no place in the U.S. that’s not vulnerable to inland flooding.”

Just last year major flooding events occurred in Texas, Oklahoma, Illinois, Ohio, South Carolina, Florida.  If you know you are at risk, there are measures you can take to protect your home and property. The most import of which is to get a flood insurance policy.  Consider elevating your air conditioning unit, water heater, and furnace. For more tips and information, go to the FLASH website.

Sometimes there’s just no rhyme or reason. Bad weather “stuff” just happens. It’s fickle, unpredictable, weird, and strange. You can attach all sorts of adjectives to it.

Back in 2008, Tropical Storm Fay set a record-making four landfalls in Florida.  Unpredictable, weird, fickle, strange…you pick the adjective.  As it meandered across the state, it just kept dumping water. In some places more than twenty inches fell.  North of Melbourne the rain gauges swelled to a record twenty-seven inches.

We started chasing Fay on August 17 for CNN in Key West and Key Largo.  The next three days, reporting from Fort Pierce, Port St. Lucie and Melbourne required high water boots. At a place called Lamplighter Village, Florida Wildlife officers used swamp buggies to go in and rescue folks. As always, some wouldn’t leave. All the wildlife officials could say, “If you decide to get out, give us a call.”

In Port St. Lucie, a volunteer rescuer got people out in an airboat, again, those who would leave. His warning to the others, “Just try not to wait too late. It’s easier in the daylight than it is at night.  Everything bad happens at night.”

Tropical Storm Fay is a poster child for all those adjectives, and how it can happen anywhere.  And the message is clear, bad weather “stuff” happens.  Know your risk.

Keep Calm, Be Prepared, and El Niño On

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By John Zarrella – Former CNN Correspondent

El Niño – it means the child or the Christ Child in Spanish. However, the name is a terrible contradiction. El Niño conjures the image of a beautiful, cherubic baby. It is certainly not that. One climatologist describes this weather phenomenon as, “mudslides in Los Angeles and golfing in Minneapolis. And there can be a lot of chaos in between.”

Well, what is an El Niño? An El Niño is a warming of the Equatorial Pacific waters. Fishermen in South America gave it the name El Niño because the waters would get warm around Christmas time and the fish would disappear. These days, everybody seems to be talking about it. You can’t pick up a paper or turn on the news without seeing a story. In fact, as I was writing this, an old friend at CBS was doing a piece on it for Sunday Morning. Clearly, El Niño is already a headline maker, and it hasn’t yet kicked into full throttle.

NASA climatologist Bill Patzert at the Jet Propulsion Lab in California has likened this one to one of the all-time greatest monsters, “It’s truly the Godzilla El Niño,” Patzert told me. If it is not the most powerful yet, he believes it soon will be based on the satellite images and data he’s analyzing. And, this El Niño may have played a role in the recent deadly tornadoes in the South and the short sleeve and shorts winter weather in the Northeast.

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So why so much interest now? In a word: worry. Really intense El Niño events seem to take place about every 15 years give or take: 1982-83, 1997-98, which is the strongest to date. They have profound impacts on the weather, flooding and mudslides in California; wet, turbulent weather in Texas and along the Gulf Coast; and warm conditions in the Northeast. “So all the pieces on the weather board are rearranged and there’s a lot of volatility not just in the U.S. but across the planet,” according to Patzert.

That volatility left 42 people dead and 260 injured in Central Florida in February 1998. Seven tornadoes touched down overnight during the worst outbreak ever in the state.

Is that or something similar going to happen again? No one knows because as Mike Halpert says, “No two El Niño’s are alike.”

Halpert is Deputy Director of NOAA’s Climate Prediction Center.  The scientists there measure El Niño’s strength not only by the ocean’s heat but how the atmosphere is reacting to it.  Halpert said, “What we think is really more important isn’t what the ocean does, it’s what the atmosphere overlying the ocean does because, that’s what kicks off the rest of the impacts globally.”

So far, Harpert says, this El Niño is weaker in the atmosphere than the two previous big El Niño events.  Does that mean the impacts will be less severe? Possibly but, there’s no way to know. Why?  Halpert says there just isn’t enough of an El Niño sample size.  He added, “We don’t have good data that goes back thousands of years. I mean we haven’t seen that many of these kinds of things.”

Frankly, it really does not matter where this occurrence of El Niño lands in the power rankings. It’s all about when the dust settles, how bad was it? We’ve already seen the first glimpses. And even though the sample size is small, there’s enough historical data, scientists say, to tell us we need to be prepared.

There’s still time to get prepared, but don’t put it off any longer. Start by making sure you have a NOAA weather radio, plus a smartphone app like FLASH Weather Alerts that includes “follow me” technology and text-to-speech alerting. You can select alerts for all the different weather hazards, including flood, freeze, and tornadoes.

If you know your area is prone to flooding or mudslides, remember “Turn Around, Don’t Drown”, and never cross a flooded roadway. Keep sandbags on hand, and make sure you have up-to-date flood insurance. Do you have emergency supplies on hand including bottled water? You need to! Have you taken a recent inventory of everything you own? If not, do it now. If you are in a tornado threat area, consider installing a tornado safe room or shelter, but make sure it is either built using FEMA 320 or the ICC 500 standard.

For the U.S., the big “worry” months have just arrived. “Beginning in January and February”, Patzert told me, “we should see a convoy of storms coming straight out of the Western Pacific slamming into California and Southwest Texas and these storms actually get pumped up as they go over the Northern Gulf of Mexico and some of the worst damage may be in Florida.”

For all the misery El Niño can dish out, there are a couple plusses. Scientists say it won’t end the drought in California but it should make a dent, and a warm winter saves the U.S. billions in heating costs.

The experts believe this El Niño will likely last into the late spring and could linger into early summer. What comes next? Halpert says, “It’s a good bet that when this El Niño ends the next thing we have will be a La Niña.” During a La Niña, the waters in the Pacific cool off, and the weather patterns change. Where El Niño events put a lid on Atlantic Hurricanes, La Niña’s are like muscle milk to Atlantic storms! Hurricane Season could become interesting.

Related Links

Flash Weather Alerts App – Mobilize Your Weather Radio

How to Protect Your Home from Flood Damage

Jet Propulsion Lab

“Turn Around, Don’t Drown”

Which Tornado Safe Room is Right for You?

Disaster Savings Accounts Would Help Shore Up Homes and Finances

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By Terry Sheridan, FLASH Consumer Blogger

Residents of Oso, Washington were traumatized on March 22 when a massive mudslide swept through the area engulfing homes and claiming lives.  Months later, residents are still handling the aftermath of this tragedy as best as possible, but the financial burdens of rebuilding often become as traumatic as the disaster itself.

Help could be on the way in the form of proposed federal legislation allowing homeowners and renters to set aside up to $5,000 every year in a disaster savings account – tax-free if the money is used for post-disaster repairs or pre-disaster mitigation.  The money rolls over every year and there’s no limit to how much can be accumulated.

If the Disaster Savings Accounts Act which is still wending its way through Congressional committees passes, homeowners and renters alike could establish accounts to use for future natural disasters.

“Disaster Savings Accounts would provide people the opportunity to protect their belongings and families,” says U.S. Rep. Dennis Ross (R-Fla.), co-sponsor of the bill with U.S. Sen. Jim Inhofe (R-Okla.).

While the Federal Emergency Management Agency (FEMA) and other government agencies provide limited relief to disaster victims, “… recovery assistance is after the fact,” Ross says. “We want to equip homeowners so that they can protect themselves before a disaster strikes and not when they’re forced to rummage through the remains of their homes after a flood, hurricane or earthquake.”

Ahead of a disaster, the pre-tax savings can be used to pay for home fortifications such as a safe room, wind resistant windows and doors, or elevating structures in flood zones.  After a disaster, savings can be used to help close the gap between insurance deductibles and other recovery funds.  In that case, the event must be a state or federally declared disaster and the homeowner or renter must have uninsured losses totaling at least $3,000.

“Insurance doesn’t cover all losses or cleanup expenses, particularly personal losses,” says former FEMA director James Lee Witt, Democratic candidate for the 4th Congressional District in Arkansas.  For example, if the bill was in effect at the time of the mudslide, Oso residents with accounts could have used them to cover uninsured personal casualty losses above $3,000 because they are in a formal disaster area.

Supporters for the bill come from all sectors, e.g. FLASH, The Home Depot, National Association of Home Builders, National Association of Insurance Commissioners, The Nature Conservancy and leaders like Moore, Oklahoma Mayor Glenn Lewis and former FEMA director James Lee Witt.

Editor’s Note: Terry Sheridan is an award-winning journalist who has more than 30 years of experience in reporting and editing for newspapers in the Chicago and Miami areas. She covered the aftermath of Hurricane Andrew’s devastation in 1992 in South Florida, and has experienced damage to her own homes from two hurricanes. She now lives in New Hampshire.

 

Lifesaving Mudslide Safety Tips from FLASH

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The mudslide that impacted Snohomish County, WA this weekend has claimed at least 16 lives, destroyed homes, and countless others are still missing. With the potential threat of another mudslide affecting the area and spring showers around the corner, here are some lifesaving safety tips to protect your home and family from mudslides.

  1. Know your mudslide risk. Create a family disaster plan that includes a plan for evacuation and a 72-hour emergency kit.
  2. Heed evacuation warnings by officials. Know in advance who will give the official evacuation orders.
  3. The elderly, people with disabilities, those dependent on medical equipment or anyone else who would need help to evacuate should register with local officials in advance.
  4. Those with pets should identify pet-friendly options ahead of time.
  5. Mudflows are not covered by a standard home insurance; however they are covered by flood insurance. A mudflow is the movement of water and mud that flows across normally dry land.   A mudslide or landslide, which can result from a collapsed hillside, happens when earth and rock travel downhill. Only mudflows, not mudslides or landslides, are covered by flood insurance. Click here for more information from the National Flood Insurance Program.
  6. Be aware of any sudden increase or decrease in water flow and notice whether the water changes from clear to muddy. These changes may mean there is debris flow activity upstream so be prepared to move quickly.
  7. Stay alert when conditions are ripe for mudslides especially when driving. Watch the road for collapsed pavement, mud, and other indications of a possible debris flow.
  8. Listen for sounds that indicate moving debris, such as trees cracking.
  9. After the mudslide, stay away from the affected areas and watch for flooding that can happen after a mudslide event.