Due to their coastal nature, not all states are at risk for a hurricane's wrath. However, they may still be susceptible to strong thunderstorms as a result of hurricanes on the coast. The damage from a hurricane can be attributed to high winds, flood waters, and flying debris.

Before a Hurricane

  • Where your home is located is going to be the deciding factor in how much risk you're facing when it comes to flooding from a hurricane. Click here to find out what your home's flood risk is.
  • If you're keeping track of the storms on the news, you will most likely have a warning for a hurricane coming your way. This will give you ample time to prepare your home as best you can:
    • Install storm shutters or board up your windows
    • Install straps or clips to secure your roof to your home's frame
    • Trim trees and shrubs to increase wind resistance
    • Remove loose and clear clogged gutters
    • Reinforce garage doors
    • Move all outdoor furniture, decor, garbage cans, etc. into your home until the storm passes
    • Turn off utilities (electric, gas, etc.)
  • If you are able to stay in your home without risk of flooding:
    • Fill bathtubs and large containers with water
    • Close all interior doors, secure exterior doors
    • Keep all blinds and curtains closed
    • Position yourself on the lowest level possible in a small room that is away from windows and glass doors; lie under a sturdy object.
  • If you are not able to stay in your home, you need to select a location of higher ground that you will head for in the event of a hurricane. Have alternate routes in mind in case streets are closed. You should evacuate if you live in any of the following locations:
    • Mobile home or Temporary structure
    • High-Rise building
    • Coastal, on a floodplain, near a river, or an island waterway

After a Hurricane

  • Do not assume the storm has completely passed until you receive an update via weather radio stating it has done so.
  • If you have left your home, do not re-enter your home until it has been inspected for structural damage.
  • Remove wet items and carpeting from the hold as soon as possible to prevent mold growth.
  • Throw away food that has been damaged by floodwaters. This includes cans that have come in contact with the water in any way.
  • File your Flood Insurance Claim:
    1. Call your agent
    2. Take photos of all damaged items and areas
    3. Take inventory of damaged or lost items (include age and value if possible

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