Flood Damage Prevention: 10 Steps for Homeowners

Exterior Prevention Measures

1. Grade your yard away from the foundation. The ground around your home should slope at least six inches over the first ten feet away from the foundation. This simple measure prevents water from pooling against your walls and seeping into your basement.

2. Maintain gutters and downspouts. Clean gutters twice a year and extend downspouts at least four feet from the foundation. Consider underground drainage lines that carry roof runoff well away from the house.

3. Install a backflow valve. A backflow or check valve in your sewer line prevents floodwater and sewage from backing up through your drains. This is one of the most cost-effective flood prevention investments at $200-$500.

4. Elevate exterior equipment. Raise air conditioning compressors, generators, and fuel tanks above your area's base flood elevation or at least 12 inches above ground level.

Interior Prevention Measures

5. Waterproof your basement. Apply sealant to interior walls and floors. Install an interior drainage system with a sump pump and a battery backup pump for when power goes out during storms.

6. Elevate utilities. Move electrical panels, water heaters, and HVAC systems to upper floors or elevate them on platforms in the basement. This can prevent the most expensive type of flood damage.

7. Use flood-resistant materials. When renovating, choose tile instead of carpet for lower floors, use marine-grade plywood, and install water-resistant drywall in areas prone to moisture.

Planning and Preparation

8. Know your shutoff valves. Be able to quickly shut off gas, electricity, and water if flooding is imminent.

9. Maintain proper insurance. Review your flood insurance policy annually. Ensure coverage keeps pace with home improvements and current replacement costs.

10. Create a flood response plan. Know what to grab, where to go, and how to document damage for insurance claims. Check your ZIP code flood risk to understand the specific threats your property faces.