Preparing for Hurricanes

In 2022, the National Oceanic and Atmospheric Administration (NOAA) predicted that 14 to 21 named storms would develop over the Atlantic Ocean during the hurricane season, which runs from June through November. The agency said there could be six to 10 hurricanes including three to six major hurricanes.  Colorado State University experts forecast 20 named storms this year with 10 becoming hurricanes, including five major hurricanes. The good news is that we have time to prepare.

Here are some tips to protect your home and belongings:

  • Consider buying flood insurance. Flood damage isn’t covered by your home insurance. Don’t wait too long: It typically takes 30 days for flood policies to take effect.
  • Write a family disaster plan. Start on the TexasReady.gov website
  • Decide where and how far you’ll go if you evacuate.
  • Build a “go-kit” with food, medicine, clothes, pet food, and other vital supplies.
  • Make a room-by-room home inventory. This could help later if you file a claim with your insurance company.

For more information, click here.

Teaching Suggestions

  • Ask students to search for flood maps at FEMA’s Flood Map Service Center.  Is their area prone to hurricanes and floods?
  • Ask students to use FEMA’s Historical Flood Risk and Cost data to help evaluate the flood risk in their area.
  • Ask students to talk to their home insurance agent about their need for a flood insurance policy from the National Flood Insurance Program.  (If their agent does not sell flood insurance, call 1-800-427-4661.)
  • Ask students if their families are prepared for the hurricane season?  What preparation have they made, if any?

Discussion Questions

  1. Is flood insurance worth its cost?  Who must purchase flood insurance?
  2. Why isn’t flood damage covered by a standard home insurance policy?
  3. Why are flood maps difficult to keep up to date?
  4. What factors determine the cost of a flood insurance policy?

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