How do I protect my home from flooding?

Grade soil away from the house, clear gutters, maintain a sump pump with backup, consider a backwater valve, keep valuables off basement floors, and check your flood insurance.

Does home insurance cover flooding?

Standard policies often exclude overland flooding without a specific add-on. Check your coverage before a flood — sewer backup and overland water are usually separate endorsements.

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Flood Preparedness Checklist

Protect your home and family from flooding.

Check items off and save your progress — free.Open the full tool →

Reduce the risk

Grade soil and extend downspouts away from the house

Keep gutters and drains clear

Maintain a sump pump with battery backup

Consider a backwater valve against sewer backup

Protect belongings

Keep valuables and electronics off basement floors

Store key documents up high or digitally

Check whether your insurance covers flooding

Be ready

Keep an emergency kit and a plan

Know how to shut off power and gas if water rises

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Frequently asked questions

How do I protect my home from flooding?: Grade soil away from the house, clear gutters, maintain a sump pump with backup, consider a backwater valve, keep valuables off basement floors, and check your flood insurance.
Does home insurance cover flooding?: Standard policies often exclude overland flooding without a specific add-on. Check your coverage before a flood — sewer backup and overland water are usually separate endorsements.

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