News Flash

Emergency Management

Posted on: September 22, 2023

20 years after Isabel: Separate flood insurance policy necessary


Sept. 22, 2003 - Twenty years ago, Hurricane Isabel caused extensive damage to property resulting from wind (such as fallen trees on roofs and vehicles) and flooding (such as ruined HVAC systems, drywall, and household contents).  In the aftermath of the storm, many residents were surprised to learn that their homeowner/renter/business insurance did not cover flood damage.



  • Board up windows/close storm shutters and secure doors and garage door.
  • Bring loose, lightweight objects such as patio furniture, bicycles, and toys inside.
  • Secure objects that would be unsafe to bring inside (such as gas grills).
  • Trim or remove damaged trees and limbs close enough to fall on structures.
  • Take action to identify and protect critical documents and valuables. For additional information, visit Safeguard Critical Documents and Valuables.
  • Document your home and possessions with photos/video for insurance purposes.  For additional information, visit Document and Insure Your Property 
  • Purchase or renew a flood insurance policy to protect your home and contents. (Homeowner’s and renter's insurance policies do not cover flooding.)
  • Don't wait: It typically takes up to 30 days for a policy to go into effect, so the time to buy is well before a disaster. 
  • Local information about flood insurance and cost estimates
  • For additional information and access to a list of insurance providers, visit Flood Insurance |
  • For more tips on safety before, during and after natural disasters, visit Hurricanes | and  Floods |


  • Document employee responsibilities and safety plans and review with each employee.
  • Conduct drills to ensure staff understand the emergency plans.
  • Move computers/IT systems and valuables to upper levels and away from windows and doors.
  • Ensure vital records are protected in waterproof/fireproof storage or backed up off-site.
  • Purchase flood insurance to protect your financial investment. 
  • For additional information on emergency preparedness for your business/workplace, visit Ready Business |

Facebook Twitter Email