Flood News

What's new?

cat on a bookshelf
flooding safety, flooding, tips, neptune flood insurance

Flooding Safety Tips

By | Flood Info

Safety during a flooding situation has to be your top priority. You’ll want to do all you can to protect your property, but things can always be replaced. Don’t jeopardize your own or your family’s safety by waiting too long to evacuate and being trapped. We hope these safety tips will be useful.

The National Weather Service issues three types of flood warnings:

  • Advisory: There’s a potential flooding problem, stay tuned for more information.
  • Watch: Prepare now for a possible evacuation.
  • Warning: Take action! If the floodwaters haven’t reached you yet, they will shortly. Get to higher ground immediately.

Before the Flood

What you do in advance of an emergency is critical. Here are a few tips on how to prepare.

  • Name a person who won’t be affected by the emergency to serve as the primary contact and name a meeting place in the event the family becomes separated.
  • Put together an emergency kit. Even if you have one, make sure no items are missing or need replacing.
  • Know your evacuation route. If possible, plan two evacuation routes.
  • Register with the Advanced Hydrologic Prediction Service for RSS feeds of forecasts and other vital information.
  • Listen to your weather radio.
  • Get the family and pets ready to leave. Pack essential items, medications, food and water for humans and pets and vital documents: insurance policies, financial statements, must-have pictures and whatever you consider extremely important.
  • Charge phones and other electronics you’re bringing with you. Don’t forget to bring your chargers with you.

Prepare Your Home

  • Filling sandbags is time-consuming but can offer valuable protection.
  • Turn off all utilities before leaving.
  • Installing check-valves in your plumbing ahead of time can prevent water from backing up into your drains.
  • Ensure your sump pump works and consider a second pump.
  • Raise everything possible.

Turn Around, Don’t Drown

Driving through water is dangerous and never recommended, but in an emergency, you might have no alternative.

Don’t Ignore Barricades

The barricades were placed there for a reason. In the best case, you’d lose precious time when you reached the reason for the barricades, such as an impassable washout, and had to turn around. In the worst case, everyone in the car could suddenly be in a deadly situation.

Standing Water is Treacherous

Take another route if the street is flooded. You don’t know how deep the water is, but only 12 inches of moving water could sweep your car away.

If You Must Drive Through Water

  • Never drive through water if you spot downed power lines – water and electricity are a deadly combination.
  • Try to figure out how deep the water is. Other cars could serve as a guide.
  • Don’t speed or stop, drive slowly and steadily.
  • Keep a constant watch for anything floating downstream that could smash into your car or trap you.
  • Your engine could stall. You may need to try to start it again, but the engine could be irreparably damaged.
  • After driving through water, test your brakes as soon as you’re on dry road while driving slowly. If the car won’t stop as it should, you can try drying your wet brakes by pressing lightly on the brake pedal while maintaining your speed.
  • If the water is rising, your car won’t start and you’re trapped, leave it immediately to reach higher ground. You may need to leave through the window. Call 911 and try to get the attention of anyone nearby.

Review Your Insurance

Most homeowner’s insurance policies don’t protect you against water damage. You need a separate policy. In the past, federal policies were often the only option, but Neptune is a private insurance company backed by one of the world’s largest markets. The use of advanced technology combined with insurance know-how can save you money on the coverage you need. Federal policies have a 30-day waiting period, but Neptune only has a 10-day waiting period. Contact Neptune today and buy flood insurance in 3 minutes.


Flood Warning

Flood Warning or Flood Watch: The differences you should know

By | Flood Info

When the water is rising and you hear about “watches” or “warnings,” how worried should you be? What’s the difference between the two? How soon should you begin making preparations to safeguard your property or evacuate your family? Many people aren’t 100% sure of the best answers to those questions.

Do You Have a Weather Radio?

The National Weather Service (NWS) is responsible for alerting the public of dangerous weather conditions. You can enter your zip code or city for local weather information and learn about current conditions, hazards and forecasts.

A weather radio would be indispensable in an emergency and should be included with your emergency supplies. The information you’d need to know about local weather conditions and potential dangers is broadcast 24 hours a day from your closest NWS office.

Watch – Prepare

Watches are frequently, but not always, issued before warnings. Flash floods, for example, can occur so quickly that there might not be time to warn anyone in the path of the rushing, fast-rising water.

Normally, a “watch” means flooding is likely in your area, but it’s still possible it might not happen. You might get lucky and not be affected, but the odds aren’t in your favor. It’s time to make your emergency preparations. Every minute is precious. Use this time wisely to gather everything you’d want to bring if you evacuate and to do what you can to protect your home and belongings from water damage.

Warning – Evacuate Now

When the National Weather Service issues a “warning,” flooding is already happening or will be very, very soon. It’s dangerous to wait around to see if the waters reach your home. It’s time to evacuate your home or business.

If you wait too long, rising water could cover your evacuation route, leaving you and your family stranded. Trying to drive through moving water is very, very dangerous and the cause of many deaths. The water could be much deeper than you think it is, but even a foot or two of moving water can carry away a car.

All Floods are Not Alike

  • Slow-Onset: Days or weeks of rain can cause slow-rising floodwaters. It may take months for the waters to recede.
  • Rapid-Onset: Heavy rainfall, especially in mountains or urban areas, can cause water to rise and recede very quickly. Flash floods are a possibility and are particularly dangerous. Any low-lying area such as an underpass, viaduct, parking garage, basement or road could be submerged very quickly.
  • Tropical Storm or Hurricane: Storm surge, water pushed by strong winds, especially when combined with a rising tide, can be catastrophic. High-water levels have been recorded as high as 35 feet above normal levels. Extensive areas could be flooded. Water could rise quickly, in 4-8 hours. It may take a long time before the waters recede.

What to Do First When a Watch is Issued for Possible Flooding

  • Your Family: Talk to the family to ensure everyone knows what to expect and what they need to do.
  • Primary Contact: Establish someone who’s not local, perhaps an out-of-state relative, as the primary contact for everyone to check in with. This is especially useful if someone becomes separated.
  • Stay Informed: Listen to the TV or your weather radio for the latest updates.
  • Prepare to Evacuate: Collect important legal, insurance and other papers, medications, pictures etc. and store in waterproof bags or containers.
  • Check your Emergency Kit: Replace any supplies as needed. Well in advance of an emergency, review this list of emergency supplies and assemble your kit.
  • Know your evacuation route.
  • Shelters: Find out where the local shelters are located. If you have pets, learn which shelters allow pets and any restrictions the shelter may have (pet carriers, pet size limits, etc.).

If You Still Have Time, Safeguard Your Home and Property

FEMA publishes excellent preparedness information.

  • Elevate: Raise critical utilities, such as electrical panels, appliances and heating systems. Move furniture, drapes, area rugs etc. to a higher level.
  • Waterproof: Lay sandbags, waterproof your basement and make sure your sump pump is working. Any fuel tanks should be securely anchored.
  • Clear Debris: Secure or move inside anything outside which could float and become a danger.

Risk Management

A standard homeowner’s policy won’t protect you if you’re flooded. Don’t wait until the water’s at your door, because it will be too late. You can get a quote and buy flood insurance from Neptune in minutes. Save money and get the protection you need today.

Flood Preparation

Flood Preparation for Your Home

By | Flood Info

There’s no such thing as a good disaster, but at least most floods give you a little warning. Floods are unpredictable. FEMA’s National Flood Insurance Program saw an estimated $9.5 billion in flood losses in 2017, but the true losses are probably much higher.

Regardless of the projections, the flood might arrive at your front door either sooner or later than anticipated. Plan on “sooner” and take advantage of every possible minute to prepare for your home flooding, especially if you and your family will have to evacuate. Keeping everyone safe is always the top priority.

Prioritize Your Preparation – Family First

Whether you plan on evacuating or not, ensure all your important items (insurance policies, birth certificates, deeds, health records, family photos, medications etc.) are safely protected in waterproof bags or containers. If you don’t have a household inventory, take detailed pictures of every room, including open drawers and cabinets. Upload the photos to cloud storage or attach them to emails sent to yourself or a friend.

In the event of a sudden evacuation, have water, food (including pet food), clothing, jewelry, phone chargers and other important personal belongings packed and ready to go. Know your evacuation route and make sure everyone knows your contact plan in case you’re separated. Make sure your car has a full gas tank and runs well.

In the event you can’t evacuate, and the flood rises higher than expected, you might have to retreat into the attic. Don’t let yourself be trapped. Bring a sledgehammer or other tool that would let you break through and get onto the roof.

Prepare Your Home for the Flood

Sump Pumps

Install sump pumps that can run either connected to your home power supply/generator or on batteries.

Waterproof Basement

Plug any drains in your basement floor. This prevents sewage backup. It will also help prevent water being removed so rapidly that the basement walls or floor are damaged from greater external water pressure. As unpleasant as the thought is, letting floodwater fill the basement could prevent structural damage to the floor and walls. Before the flood, consider getting advice from a county or city engineer.

Basement windows will break from water pressure. If home flooding is expected shortly, open or remove the windows.

Turn Off Utilities

Expect local authorities to recommend shutting off gas, electricity and water. Be sure you aren’t standing in water when shutting off electric power. If you expect floodwater to approach the electrical entrance panel, call your electric company to disconnect the home’s electricity.

Move Belongings Higher

Prepare for home flooding by moving furniture and other belongings at least 12″ higher than the expected flood level. Bring outdoor furniture in if possible.

Secure Fuel Tanks

An unsecured fuel tank is potentially very dangerous. During home flooding, the tank could tip over or float, spilling fuel that could possibly ignite. Spilled fuel is very expensive and extremely difficult, perhaps impossible, to remove from a flooded house. Anchor fuel tanks securely to floor, ensuring all vents and fill line openings are either higher than the expected flood level or sealed.


All your expensive appliances, such as the fridge, freezer, washer, dryer and others have electric motors and other components vulnerable to floodwater damage. Shut them off at the breaker panel or fuse box. If they can’t be moved higher, wrap them in large pieces of plastic, tying tightly in place. This won’t keep water out but will keep most of the silt out. Cleanup will be easier.


Shut off power and move furnace higher if possible.

Air Conditioner

Unless your air conditioner tech advises otherwise, leave the unit in place. Freon in the unit could create a health hazard if moved inside unless moved by an a/c technician. Wrapping both inside and outside components in plastic will help reduce silt accumulation.

Water Heater

Shut off gas, electricity and water before moving water heater to a spot where it will be above the home flooding.

Porous Materials vs. Solid Wood and Stone

Pressed wood, carpets and drywall will all absorb water, may well be irreparably damaged and will be harder to remove when waterlogged. Solid wood and stone can tolerate a certain degree of home flooding.

Neptune Flood uses the same space age technology as NASA and the U.S. government to generate today’s most accurate digital land surveys. These super-accurate flood zone maps, combined with advanced technology, could save you money, up to 25%, on flood insurance. Not only that, Neptune’s technology means you can buy flood insurance in 3 minutes or less.

Don’t wait too long to protect your home with flood insurance. Most insurers require a 30-day waiting period for your new flood insurance. Neptune Flood offers a reduced 10 day waiting period, a definite advantage if you’re nervously watching the weather reports. Neptune Flood also offers higher limits of coverage.

Learn more about flood insurance and get a quote from Neptune Flood today.

Flash Flood: What is it?

By | Flood Info

Most people have been lucky enough to only experience flash floods in the movies. A thundering wall of water comes crashing down the canyon, carrying uprooted trees in the floodwaters and drowning cattle and horses. Cowboys desperately try to climb the canyon walls. Some may be swept up by the raging water. That’s the stereotypical image of a flash flood.

The Most Dangerous Type of Flood

The reality is far more frightening. A flash flood is considered the most dangerous type of flood because of how quickly the waters rise and how unpredictable these floods are. Technically, a flash flood peaks in less than six hours, but the water could rise much quicker. Flash flood warnings are normally issued, but not everyone will be aware of the impending danger.

At times, there’s no warning before the flood strikes. People are trapped in their cars, swept away by the rushing waters. People in buildings or on foot may not be able to get high enough, fast enough. After the flood, the scope of the damage to humans, animals and property can be catastrophic.

What Causes a Flash Flood?

Several conditions can cause a flash flood:

Heavy Rain Combined with Soil Unable to Absorb the Water

Heavy rain on soil that is too saturated to absorb more water or heavy rain on dry soil that cannot absorb much water are deadly combinations. Flash flooding is a well-known danger in desert regions after a heavy thunderstorm dumps a lot of water on very dry land.

Whether the soil is water-logged or very dry, the runoff, or water that can’t be absorbed by the soil, follows the topography of the land, collecting in streams and gullies. These streams/gullies flow very fast, rapidly grow in volume, collect debris and present a very real danger to anyone or anything in the flood’s path.

Mountain Thaws

When spring finally arrives, snow and ice dams melt high in the mountains. Trickles of water merge, forming ever-larger streams. If a thunderstorm adds torrential rain, you could suddenly be facing a flash flood.

Hurricanes and Typhoons

Flooding and hurricanes have become linked in the minds of most Americans. While people fear the 100 mph or more winds, water causes far more damage. When the conditions are right, flash flooding can occur as well as more slowly-rising flood waters.


Two of Iceland’s most popular tourist attractions are volcanoes and glaciers. Not many spots in the world have both. It’s certainly not an everyday event (or a problem that will rate very high on your worry list unless you plan on living near an active volcano in Iceland), but a volcanic eruption can melt a glacier, causing unexpected flash flooding.

Dams and Levees

In 1975, the Banqiao Reservoir Dam in China suffered catastrophic failure during Typhoon Nina, suddenly releasing a terrifying wall of water. About 171,000 people died, the highest number of deaths ever recorded from a dam failure and flash flood; 11 million people were left homeless.

The worst flash flood in the U.S. was the Johnstown Flood of 1889. An exclusive hunting club restored an abandoned earthen dam to create a lake. Complaints about the unsafe dam from the citizens of Johnstown, 14 miles downstream from the dam, were ignored. After several days of extremely heavy rain, the dam failed. An estimated 20 million tons of water and debris, including rail cars, houses and trees, raced toward the city, flattening everything in its path. More than 2,200 people died.

“Turn Around, Don’t Drown”

Floodwaters that would be absorbed by the soil in the country can turn deadly in the city. Roads become fast-flowing rivers. Get out of the area as quickly as possible, but don’t try to cross the flooded road. An SUV can be carried away by as little as 2 feet of water.

Over half of the deaths from flash flooding occur when overconfident drivers try to cross a flooded intersection. They underestimate the incredible power of fast-moving water.

Neptune Flood fully supports and recommends the advice of the U.S. National Weather Service: “Turn Around, Don’t Drown.”

Many people wish they had flood insurance, but don’t think it’s affordable. In 2016, Neptune Flood took a new approach to this problem, merging advanced technology with insurance expertise. The result? Innovative and affordable flood insurance that can save you up to 25% for the same coverage you’d get with the NFIP.

If a flash flood is headed your way, it’s too late to buy flood insurance from anyone. In fact, the NFIP requires a 30-day waiting period for new policies. Neptune Flood offers a better alternative, having only a 10-day waiting period. Not only that, but Neptune Flood covers more of your valuable assets.

Visit Neptune’s intuitive, on-demand platform and look for yourself. Save money for the flood protection you need. You never know when the next flood is coming.

Flood Insurance Coverage

Flood Insurance Coverage: Reasons Why Should You Buy

By | Flood Info

Why Buy Flood Insurance?

Did you know that floods are the most costly and common natural hazard in the U.S.? There have always been terrible floods, but the flooding after Hurricane Katrina was unbelievable. About 800,000 homes were damaged or destroyed. While many homes were insured against wind damage, far fewer were insured against flooding, the primary cause of the extensive damage.

How many insurance claims were paid after Katrina? 167,985 – that’s it. Less than one homeowner in four had insurance coverage for their losses.

Most floods aren’t that dramatic, involving far fewer homes. However, that doesn’t matter to homeowners who have lost their homes and prized possessions. Too often, uninsured homeowners say, “Everything I worked for in life is gone.”

If those people could turn back the clock and buy flood insurance, do you think they would?

5 Common Misconceptions About Flood Insurance

There are quite a few misconceptions about insuring against floods.

1. I Have Homeowners Insurance

A homeowners policy will cover water damage from a broken pipe inside the house. However, when the source of the water is outside the house, such as a storm or river, you aren’t covered. You need a separate flood insurance policy.

2. I Don’t Live in a Flood Zone

Lenders require homeowners living in an area at a high risk of flooding to buy flood insurance. However, every year, about 25% of all flood losses happen to people who don’t live in high risk flood zones. The picture of a devastated homeowner saying, “But this never happened before!” is all too familiar. A “100-year flood” might happen twice in three years. Storms and floods follow no schedule but their own.

3. I Can Put Off Buying Flood Coverage

Occasionally, a new homeowner will think they can wait to buy insurance against flooding until they learn a hurricane is heading their way. After all, they may have two weeks warning of a hurricane, so they can get a flood policy then. However, there is typically a 30-day waiting period on new flood policies issued during hurricane season. That means you wouldn’t have any coverage for the first month after getting the policy. You’d have to pay for all damages yourself.

4. The Government Will Cover My Losses

The government does step in and provide some disaster relief, but it’s a mistake to consider that a substitute for flood insurance.

  • Government assistance may be difficult to get and take quite a while to process. Also, it will only cover a fraction of what you would have received under a private insurance policy.
  • You get no disaster relief unless the government declares a “disaster.” That only happens in 50% of floods, meaning there is a 50% chance you won’t qualify for any government aid.
  1. Renters and Business Owners Can’t Get Flood CoverageIt’s not necessary to own the home or building to buy a flood policy for the contents. Paying a small premium would be much better than trying to replace everything by yourself.All Flood Insurance is Not Alike

    There are two types:

    1. Government Flood Insurance

    Government insurance is offered under the National Flood Insurance Program (NFIP) and run by FEMA. It is normally available only in high risk flood zones. The debt-ridden NFIP has been in danger of lapsing several times, requiring emergency extensions by Congress. Coverage is limited to:

  • $250,000 of coverage for the home
  • $100,000 of coverage for belongings
  • No coverage for damage to the land itself, pools or unattached structures
  1. Traditional Private Flood InsurancePrivate insurance against flood damage is becoming more common. It offers more extensive benefits than government insurance and coverage is available for any area. Private flood is reaching areas the NFIP can’t. Sometimes, great coverage can be expensive but it doesn’t compare to the losses that will be paid in the event of a flood.The Neptune Difference – High Tech Expertise and Affordable Coverage

    Neptune Flood uses advanced technology to make private flood insurance affordable. The innovative, on-demand platform makes it easy. Neptune offers increased benefits and acceptance by mortgage lenders. Neptune is backed by one of the world’s largest insurance markets.

  • 5-day waiting period vs. 30 day waiting period
  • Premium savings of up to 25%
  • Up to $500,000 of coverage for the home (NFIP: only $250,000)
  • Up to $200,000 of coverage for contents (NFIP: only $100,000)
  • Up to $10,000 basement contents (NFIP: limited)
  • Up to $10,000 pool repair and refill (NFIP: Zero)
  • Up to $50,000 unattached structures (NFIP: Zero)
  • Temporary living expenses
  • Optional deductible coverages

Don’t put your financial future at risk. Protecting your home and belongings from flood damage is a safeguard against a loss you can’t afford. Neptune Flood offers the flood coverage you need at a price you can afford.

Flood Plan

Flood Plan: How to Prepare

By | Flood Info

Making a Flood Plan

Would you be ready if flooding were to occur around or within your home? By taking some simple steps before the emergency occurs, you can protect the safety of your home, family, and pets. The time to make a flood plan is way before a flood happens. A flood plan will help alleviate anxiety and confusion and can be beneficial in saving lives and property in the event of flooding.

Know the Difference Between a Flood Watch and a Flood Warning
When a Flood Watch is issued, it means that conditions are right for flooding to occur. It is recommended to “Be Aware” – listen to a weather radio or watch the weather reports on television. On the other hand, a Flood Warning means to “Take Action” – flooding may be occurring or will happen shortly in your area.

Know Your Risk of Flooding
The government FEMA website has much valuable information on flooding and flood maps. You can access information here.

Find Out About Local Plans for Emergency
Know where higher ground is in your community, where evacuation routes are and how to get there if flooding occurs. Familiarize yourself and family with where to go in the event of a flood.

Make a Flood Emergency Plan
Know where the shelters are and where the nearest high ground is from your location. Become familiar with how and where you would evacuate in the event of flooding. If you have pets, know where the nearest pet-friendly shelters are and how to get there.

Think about evacuation and if you can stay with family or friends. If you are in an area that is safe from flooding, invite friends to stay with you.

Have an Emergency Preparedness Kit 
You should have the following on hand:

  • food
  • water
  • batteries
  • flashlight
  • non-electric can opener
  • first aid kit
  • plastic bags for important documents

Build a kit with food supplies and canned food and water for three days. If you have pets, remember to have enough food for them as well. You will also need a flashlight and batteries, cash, first aid kit, important medicines and dry clothing. If a flood might be a possibility, make sure your gas tank has enough fuel to get you outside the flood zone or to safety.

Stay Tuned
Have a NOAA weather radio on hand if possible. Keep informed on weather updates, alerts, instructions and evacuation orders.

Flood Insurance
The time to think about flood insurance is when you are making your flood plan, well before the event. A company like Neptune Flood can provide you with protection that is fast, easy and reliable. Vist Neptune today and Learn more about flood insurance and how it can help you feel more secure in the event that flooding happens in your community.

Keep in Mind
Remember that you do not want to walk or drive through flood waters. Six inches of water that is moving can sweep a vehicle away, so “Turn Around, Don’t Drown!” if flooding has already occurred.

Around your home, keep drains free of clippings, pine needles, leaves and grass cuttings, as these tend to clog the stormwater pipes and prevents water from draining.

Remember to ask yourself, “What Would Noah Do?” #WWND, when it comes to making a flood plan and discussing emergency precautions for the event of flooding. Get the right information as well as flood insurance so that you can get on with your life and not worry about whether you are covered. Neptune Flood can provide you with affordable coverage that is backed by one of the world’s largest insurance markets. Our nerds and geeks have done the work and included the latest technology to save you both time and money.

Browse our website, get a quote and learn more about how flood insurance has evolved since the days of your parents (and Noah).