Main Content

Flood Insurance Tips for Your New Jacksonville Home

Living in beautiful Jacksonville, Florida means that you are going to be dealing with your share of situations that could lead to flooding in your home. Not only do you live by the coast where hurricanes can happen, but there are times throughout the year that bring on the rain more than the rest.

Jacksonville is divided by zones in which homeowners are at regular risk of flooding or at high risk of flooding, depending on how close you are to the tidal waters. Knowing that living in Jacksonville comes with risks of flooding; take a look at what you should do to protect your new Jacksonville home.

What’s considered a flood?

Fist it’s important to understand what qualifies as a flood. This refers to the temporary condition of being inundated with water or mudflow on two or more acres of land that is normally dry.  Since the state of Florida sees around 100 inches of rainfall every year, excessive flooding is likely, along with the hurricane conditions that overwork the drainage systems in place.

Make a family emergency plan

The first way to protect your home is to have a family emergency plan to be able to keep your family safe. Flooding is known for contaminating drinking water supplies in the home making the risk of unclean water high. You’re also at risk of affecting the power and gas in your home which means you won’t be able to cook. Having canned food, a clean drinking water supply prepared, and an evacuation plan made is the best way to be prepared for a Jacksonville flood.

Try to keep the water out

Next, make sure you have a plan for keeping the water out of your home. Prevention may be the best thing you do during the possibility of flooding. Having a sump pump that has a battery backup installed in the lowest part of your basement will help to make sure that it’s running when it starts to fill the water. That way it can pump the water away from the house when it senses the water is filling up. You can also get a backwater valve to prevent sewage from backing into the home.

Also, be sure to grade the ground around the house to direct water away from the foundation and keep those gutters cleared. A downspout extended away from the house will be very helpful.

Protecting your interior is the priority

If water was to get into the home, having a way to protect your interior will be your next line of defense. Protect your home from flood damage by securing your major appliances like the washing machines and furnace to platforms a foot above your base flood elevation that the Federal Emergency Management Agency has determined for your property.

This also means that you are electrical and wiring components are raised as well to avoid these touching the water and rated for underground use, and make sure your outlets are ground fault interrupters.

You can even go as far as adding a waterproof coating to your walls, installing a leak detection alarm system, and keeping water sensors need plumbing fixtures where leaks are prone to happen.  Lastly, protect your valuables by keeping them in a waterproof safe so that you don’t have to worry about damage to things like photographs and family heirlooms. You can make a flood box to contain personal data and paperwork, as well as an inventory of your goods along with photos and videos of the home in case you need to file a claim later.

If you were questioning getting flood insurance for whatever Jacksonville Real Estate you own, don’t think twice. Floods can happen anywhere it rains and premiums are affordable each year to protect something so valuable. Just make sure you prepare yourself and your home well before a storm comes along by using these tips above.

Have Questions?Contact Us