Flooding

What it is

Flooding happens when water covers land that is normally dry. Floods can result from heavy rain, overflowing rivers and streams, poor drainage, dam or levee issues, or flash flooding.

Why it matters in Tennessee

Flooding is one of the most common disasters Tennessee communities experience. It can happen in every part of the state, including areas that are not mapped as high-risk flood zones. 

You do not have to live near a river, creek, or lake to experience flooding. Heavy rainfall, poor drainage, new development, saturated ground, and overwhelmed stormwater systems can all cause water to enter roads, homes, and businesses. 

Flooding can also create major financial impacts. Most standard homeowners and renters insurance policies do not cover flood damage. Flood insurance is a separate policy and even homeowners that live in areas outside of high-risk flood areas can carry it. 

What to do before

·       Know your flood risk at home, work, school, and along the routes you travel most often.

·       Do not assume you are safe from flooding because you are outside a mapped high-risk flood zone.

·       Review your insurance coverage and consider whether you need a separate flood insurance policy.

·       Keep important documents in a safe, waterproof location.

·       Make a plan for where you will go if you need to move to higher ground.

·       Prepare emergency supplies for your household.

·       Never plan to drive through flooded roads.

What to do during

• Move to higher ground if flooding threatens your area.
• Follow evacuation instructions from local officials.
• Never walk, swim, or drive through floodwater.
• Stay away from bridges over fast-moving water.
• Turn around if you see water covering the road.

What to do after

• Return home only when officials say it is safe.
• Avoid floodwater, which may contain debris, chemicals, sewage, or other hazards.
• Stay away from downed power lines and damaged roads.
• Take photos of damage before cleaning up.
• Contact your insurance provider as soon as possible if your property was damaged. 
• Wear protective clothing during cleanup.

Stay informed

Monitor local alerts, weather forecasts, and instructions from emergency officials. Remember: Turn Around, Don’t Drown.