Preparing Your Home for a Natural Disaster

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Jul 19, 2021

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Preparing Your Home for a Natural Disaster

Tornado on road. Preparing your home for disasters

Natural disasters can occur at any time, and often do so without warning. They can leave people stranded without food, water, or communication, while chaos and confusion overwhelm first responders.

It’s important to prepare your home for an emergency such as a power outage, a flood, or a snowstorm so that you and your loved ones can stay safe. Having a plan of action can also help to make disasters manageable and survivable.

Before any storms head your way, be sure your home is protected with insurance. Use our free tool to compare the best policies in your area.

Create an Emergency Plan

Panic makes any situation worse. A clear head during an emergency can make all the difference.

Develop a Plan

Get together with family members or roommates and develop an emergency plan. Make sure everyone knows the different safe places in the house for each type of disaster. For instance, the basement is usually the best place to hide from a tornado because of its lack of windows.

Find Your Nearest Shelter

If the house is unsafe, consider which disaster shelter is the closest for a meeting place, and which route is the fastest to take. In the event of a hurricane, everyone will need to know the best escape route.

Delegate Tasks

If medication is required, or if pets need to be kept safe, assign each family member a specific task so that no one person has too much to remember. If responsibilities are divided up, there is less room for error.


Communication is key in an emergency, and it’s a good idea to have various forms of contact. If there is a snowstorm and cell service is down — families will need a way to stay in touch.

Walkie-talkies are a good backup because they are battery-powered and use radio waves for two-way communication.

Make sure everyone in the family is aware of the plan and responsibilities, and always have a backup plan, just in case.

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Pack a Home Emergency Kit

Emergency preparedness kits are essential. During a natural disaster, stores may close or the roads may be too dangerous to drive, leaving no way to attain food or water. Oftentimes people have an emergency kit for their car, but it’s resourceful to make one specifically for the home.

Make sure to build two different kinds — a travel-ready kit, in case of an evacuation, and a more robust one that stays at the house. Some key items to put in an emergency kit are:

  • Water
  • Nonperishable food
  • Blankets
  • Matches
  • Flashlights
  • Medication
  • Batteries
  • Portable chargers
  • Extra socks
  • First aid kit

Keep this kit in a safe, dry space to ensure it will be ready for use. Individual items can be stored in airtight plastic bags, while the whole kit can be kept in a waterproof duffle bag, which will be easy to take in an evacuation.

Safely Store Important Documents

Important documents are a crucial detail in case hospital records or any other type of records get destroyed. These documents include:

  • Birth certificates
  • Social security cards
  • Passports
  • Wills
  • Deeds
  • Home insurance policies

Store these documents properly — in a safe, a filing cabinet, or a waterproof – or even fireproof – container. For added protection, take pictures and store them in a secure file.

Prepare for a Variety of Disasters

With a variety of natural disasters, preparing for several different scenarios is pertinent. Each response is determined by the type of disaster. For instance, the response to a snowstorm should differ from the response to a flood.

Plan for disasters that are relevant to the area where you live. A tropical residence won’t need to worry much about a blizzard. However, some disasters can happen anywhere, like fires or power outages, so be prepared for those types as well.

Verify that your home insurance policy covers damages to the house, the property, and belongings inside the house.

This kind of policy is designed to financially protect the home against natural disasters. Policies can differ from state to state, so it’s important to know what is covered.

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Stay Informed

Staying informed is one of the best ways to be prepared.

Mobile apps, like FEMA, send weather alerts, emergency information, safety tips, and local resources to help navigate a natural disaster, even away from home.

Another tactic is to opt for emergency alerts via text message from the Wireless Emergency Alert (WEA) public safety system. These texts include extreme weather alerts, amber alerts, and presidential alerts, with special tones and vibrations to distinguish from regular text messages.

While some disasters typically strike with little to no warning (like earthquakes), there are other situations you can anticipate. The more time you have to prepare, the better. Communities or neighborhoods may also have disaster plans in place, which are helpful to know in evacuations.

It’s important to stay informed after a natural disaster as well. In some cases, communities aren’t safe to return to, and authorities will need you to stay away until debris is cleaned up and the roads become accessible.

Create a Recovery Plan

A recovery plan that takes into account the aftermath of a natural disaster is just as important, as it is the least understood aspect of an emergency. As mentioned before, some communities won’t be safe to return to, so families need a meeting place other than their house. Even if the disaster plan was followed, it can still have a huge impact — mainly on your house.

Determine where the family is meeting. After everyone is safe, take an inventory of the emergency kits. Restock anything low, as some stores could be closed for a while.

Then contact the home insurance agent to start a claim. It’s better to do this sooner rather than later since the house might be damaged and unlivable.

Another way to create a recovery plan is to look for a disaster recovery center in your area. These centers can help people apply for FEMA assistance, find housing and rental information, and get referrals to other agencies that could help.

Natural disasters can happen at any time, and while they aren’t preventable, they are actionable.

Knowing where to evacuate, stocking emergency kits, and having a plan can make a huge difference in handling and recovering from a natural disaster.

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