05/31/2026
As hurricane season approaches, it’s important to remember that flooding is the most common natural disaster in the United States—and it is becoming more frequent each year in both coastal and inland communities.
In 2025, the U.S. experienced a record number of deadly floods, with more flash flood warnings issued than ever before. When powerful storms move across land, they can release massive amounts of rain into streams, rivers, and lakes, rapidly increasing the risk of severe inland flooding.
Despite this growing threat, many homeowners believe their standard insurance policies cover flood damage. Unfortunately, they do not. In fact, more than 80 percent of households affected by Hurricanes Helene and Milton in 2024 did not have flood insurance. It only takes one storm to cause devastating impacts on a home or an entire community.
FEMA and the National Flood Insurance Program urge [insert area] residents to act now to protect their homes and families. Purchasing flood insurance today is a critical step—especially since most policies require a 30‑day waiting period before coverage takes effect.
Here are five steps you can take today to prepare for this hurricane and flood season: • Have a plan. Create a family communication plan and know your evacuation routes. • Gather emergency supplies. Prepare a storm bag with essential items, including medications and important documents. • Document your belongings. Take photos and keep a record of your most valuable items to help streamline any future claims. • Prepare your home. Remove damaged trees and limbs, secure and reinforce the roof, and clear gutters to prevent water damage. • Purchase flood insurance. NFIP policies provide coverage up to $250,000 for your home and $100,000 for your belongings.
If you have any questions or would like help reviewing flood insurance options, I’m here to assist.
www.islandinsurancespecialists.com
