Day 7: Complete Your Written Hurricane Plan

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Get a Plan!

Bryan Koon
Director, Florida Division of Emergency Management






A lot of the advice you hear in advance of hurricane season includes some variation on “Get a Plan”.  And you may have thought, “Why?  How difficult can it be?”  The truth is, it’s really not difficult.  Most of the things that I want you to consider when dealing with a natural disaster such as a hurricane are basic, common-sense issues that you deal with every day of your life.  The problem is that when a hurricane or other severe weather is bearing down on you and your family, the things that you normally take for granted may be in short supply, and you’ve got to get a lot done in a very short period of time.  In those circumstances, having gone through the planning process with your loved ones, and developing a written plan to help guide your actions, could save your life.

Hurricane_Prepare_Day 7Simply considering developing a plan is a very good first step.  It will help you think about the hazards where you live.  Are you close to the ocean and potentially in a storm surge zone?  Do you live in a flood plain?  Do you live in a house likely to be damaged in high winds?  Are the roads you rely on to get to the grocery store or the pharmacy prone to flooding?  Knowing how a storm can affect you will help determine what kind of plan you should develop.

Once you know how a hurricane will affect your physical environment, consider what that means for your loved ones.  Do you care for young children or elderly relatives?  Do you have pets or livestock that you need to care for?  Think about how a prolonged period without power or water will affect them.  What would you do if you couldn’t get to the grocery store for a few days, or if the gas station ran out of fuel?

Once you’ve thought about these issues, though, take the next step and write down your answers.  When a hurricane is coming, having a written plan will help ensure that you’re taking care of the most important things.  And by going through the planning process together, you and your family will be more confident that you’ll be able to survive the storm and get your life back to normal as quickly as possible.  Having a guide to make sure you’ve taken care of the essentials will give you peace of mind and allow you to focus on keeping your family safe.

Will everything go exactly as you planned it?  Probably not.  There are so many variables in a hurricane and so many unknown factors that you’ll likely have to improvise.  But it’s much easier to deviate from a well-considered plan than it is to try to develop a course of action from scratch during the middle of the event.

There are a lot of resources to help you.  In Florida, try  In South Carolina go to, and in Texas a good resource is  Other great sites include The Red Cross and FEMA’s site.  And there are many more; simply search “disaster plan” on the internet and you’ll find plenty of options.  All of them are very good, and any one of them will help you accomplish your goal of getting you ready. Kids can even get involved by helping their parents fill out a family communication plan.

kids plan

Hurricanes are a fact of life, and their impacts can be catastrophic.  If you are well prepared for them however, the likelihood that you will survive and be able to recover quickly are tremendously improved.  That preparation starts with developing a plan to guide you through the situation.  An hour or two spent now on writing your plan could save your life!

Day 6: Identify Your Trusted Sources of Information

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Identifying Trusted Sources for a Hurricane Event

Dr. Gina Eosco
Senior Social Scientist/Risk Communication Specialist, Eastern Research Group
@WxComm / @ERGupdate

Gina EoscoERG logo





Hurricanes are dangerous! Extreme winds, storm surge, inland flooding from heavy rains, and tornadoes can all be life threatening. Understanding your risk from these threats is important—and a trusted, credible source for hurricane information can help.

Hurricane_INFO_4-4-16When a storm is threatening your area, there are many places to go for information to determine if you are at risk….

But, are all sources of weather information the same? Are all sources trustworthy?

To answer that question, you first have to define what is meant by “trustworthy.” As it turns out, several factors contribute to people’s perceptions of trust, including the source’s knowledge and expertise, openness and honesty, and concern and care.[i]  Using these factors of trust, here are some tips to identify trusted sources of hurricane information:

Does your source have hurricane knowledge and expertise? Knowledge and expertise are gained through a combination of study and practical experience. Does your source hire staff with degrees in meteorology? In addition to formal degrees, the American Meteorological Society certifies individuals who have “achieved a high level of competency in communicating complex weather.” The National Weather Association also offers a certification program. These certifications and corresponding logos are shown on TV next to a broadcaster’s name, online, or in someone’s biography.

Of equal importance is how many years of experience does your source have? Hurricanes are like fingerprints. No two storms are the same. Forecasters must observe, collect, and analyze complex data to determine the hurricane track, intensity, and potential impacts, like storm surge. It stands to reason that the more experience a source has with different storms, the more knowledge and expertise that individual has gained over time.

Determining if a source is open and honest is a bit more subjective. Here are a few guiding thoughts.

Key Messages on Hurricane JoaquinDoes your source convey what he or she knows and doesn’t know? There is always some uncertainty with a storm. Communicating uncertainty is vital to an open dialogue about the risk of hurricanes. For example, during Hurricane Joaquin in September and October of 2015, the National Hurricane Center issued a new “key messages” section in their Tropical Cyclone Discussion and also sent it out on Twitter, at one point stating, “Because landfall, if it occurs, is still more than three days away, it’s too early to talk about specific wind, rain or surge impacts from Joaquin in the United States.” NHC openly shared what it did and did not know about the storm.

The last factor that leads to trust is perceiving that a source has concern and care for you. You might get the impression that a source feels concern and care by his or her tone of voice or word choice—but how do you really know? One way to gauge concern and care is by understanding the source’s mission. For instance, the National Hurricane Center explicitly states that its mission is

 “To save lives, mitigate property loss, and improve economic efficiency by issuing the best watches, warnings, forecasts and analyses of hazardous tropical weather, and by increasing understanding of these hazards.”

Hurricanes can be fearful experiences to live through, and evacuation decisions can be equally as stressful. Hurricane risk information from a trusted source can calm those fears and provide the details you need to make an informed decision that is right for you.

Hurricanes may vary in their strength, but with trusted sources by your side, you can always remain #HurricaneStrong.


[i] Peters, R. G., Covello, V. T., & McCallum, D. B. (1997). The determinants of trust and credibility in environmental risk communication: An empirical study. Risk analysis17(1), 43-54.

Day 5: Strengthen Your Home

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Leslie Chapman-Henderson
President and CEO, Federal Alliance For Safe Homes (FLASH)©
@LCHenderson / @FederalAlliance

Leslie ChapmanFLASH logo





If you’ve been following along with us this National Hurricane Preparedness Week and joining us to get #HurricaneStrong, you’ve already moved through the first four steps on your path to the ultimate state of readiness. You’ve determined your risk, developed an evacuation plan for your family, secured an insurance check-up, and assembled your disaster supplies.

Hurricane_StrengthenHome_4-4-16So, now it’s time to focus on our message for Day Five–Strengthen Your Home. This may be the most challenging of the critical steps to preparedness, but it is also one of the most rewarding. Having a strong home will give you the peace of mind that comes with feeling safe and sound.

If you have a strong home, and reside outside of a storm surge evacuation zone, you should be able to take shelter in your home. This will keep you, your family, and your pets together, off the roads, and out of the shelters. This is especially important as shelter space is limited, and should be reserved for those that must evacuate.

Also, if a hurricane strikes, your strong home can be the key ingredient for a swift recovery after the storm because strong, high-performing homes resist the wind and water that come with a hurricane. They suffer less damage, save you money, and reduce or eliminate repair time.

So how can you get a strong home?

First, it is important to understand the different ways that hurricanes can damage a home.

Hurricanes can cause damage to buildings and homes in a variety of ways:

  1. High winds put pressure on the home and its connections
  2. Windborne debris batters and breaks windows, doors and garage doors
  3. Wind-driven rain enters through openings like windows and doors
  4. Rising waters flood inside homes, damaging appliances, electrical systems, flooring, and more
  5. Waves and storm surge batter a home, causing it to break apart or even wash away

High winds exert extreme pressure on your home, and cause four types of building failure. Uplift occurs when the wind moves over the structure pulling upward, especially on the roof. Racking happens when horizontal pressure causes the house to tilt. Sliding occurs when the horizontal wind pressure pushes a house off its foundation. And, overturning occurs when a house resists horizontal pressure, and won’t rack or slide.


load path



These high wind failures can be prevented or effectively lessened when a home is well-connected with the right amount of nails and metal connectors. The key connections to reinforce include the roof-to-upper story; upper story to first floor; and house to foundation. When you make these connections the right way, you will have a continuous load path that ties your home together from the roof to the foundation.

If you are getting ready to build a new home, remember, it is possible to build a hurricane-resistant home from a variety of materials, including wood, engineered wood, and concrete products like concrete block, insulated concrete forms, cast-in-place concrete, and more.  Many materials provide the additional benefits of durability, energy savings, and sustainability, so it’s important to research all of your options before you begin.

windborne debrisWindborne debris batters and breaks windows, doors, and garage doors, but this can be prevented by using impact-resistant windows and doors, or tested and approved hurricane shutters. Shutters can be permanently installed, or temporarily. Even the proper thickness of 5/8” plywood cut to fit each window and opening is effective if properly mounted with the right fasteners. Click here to view our videos about hurricane shutters, impact-resistant windows, and how to make temporary, emergency panels.

Wind-driven rain can be kept out of your home if you refresh the caulk around your windows and the flashing around doors at least once per year. Hurricane shutters will also help prevent this damage.

cost of floodingRising waters flood inside homes, damaging appliances, electrical systems, flooring, and more. Click here to use this calculator and see the potential damage to your home from flooding. What you’ll learn is that only four inches of water can cause nearly $30,000 in damage.

The best financial protection from flood damage is flood insurance, but you must purchase a separate policy as it is not part of your homeowner’s insurance coverage. Also, flood policies carry a 30-day waiting period, so it is important to secure your protection now before the hurricane season begins.

In addition to flood insurance, there are many steps you can take to minimize flood damage. This animation provides a comprehensive overview, and here are some examples:

  • Elevate electrical outlets
  • Anchor fuel tanks
  • Install a floating drain
  • Elevate appliances inside and outside

It is also important to keep your gutters and downspouts around the home clear of debris, so they can carry the water away from your foundation.

If flooding is imminent, you should secure sandbags. If they are properly filled, placed, and maintained, sandbags can redirect storm water and debris flows away from a home and other structures. Follow the guidance below to make sure you use and then dispose of them correctly.

Jocelyn Augustino/FEMA
Jocelyn Augustino/FEMA


  • Fill sandbags one-half full.
  • Use sand if readily available, otherwise use local soil.
  • Fold top of sandbag down and rest bag on its folded top.


  • Take care in stacking sandbags.
  • Limit placement to three layers unless a building is used as a backing or sandbags are placed in a pyramid.
  • Tamp each sandbag into place, completing each layer prior to starting the next layer.
  • Clear a path between buildings for debris flow.
  • Lay a plastic sheet in between the building and the bags to control the flow and prevent water from seeping through openings like sliding glass doors.


  • Sandbags will not seal out water.
  • Sandbags deteriorate when exposed to continued wetting and drying for several months. If bags are placed too early, they may be ineffective when needed.
  • Sandbags are for small water flow protection up to two feet. Protection from larger flow requires a more permanent flood prevention system.
  • Wet sandbags are very heavy and caution should be used to avoid injury.

It is important to consult your local environmental protection department before disposing of used sandbags. Sandbags exposed to contaminated floodwaters may pose an environmental hazard and require special handling.

Storm surge and waves are often the most destructive threats to homes in the path of a hurricane. So, whether you live near the coast where storm surge is possible, or you are inland where rising waters from heavy rains threaten, it is best to build or buy a home that is elevated above the Base Flood Elevation (BFE) or the expected level of flooding established by the FEMA flood maps.

No matter where you live, the best protection from hurricanes or any natural disaster is to ensure that your home is constructed to meet or exceed current building codes. Post-disaster investigations have proven again and again that homes built to code have the best chance of surviving. And when you have a strong home that survives the wind and the water from hurricanes, you will become resilient in the face of the storm.

Day 4: Assemble Disaster Supplies

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Go Shopping.  Now.

Dr. Rick Knabb
Director, National Hurricane Center
@NHCDirector / @NWSNHC






How awful is the aftermath of a hurricane?  An individual’s experience can range from a tolerable inconvenience to a life-altering disaster, but awful generally covers it.  If we could teleport ourselves into that situation for just a few moments, the items we desperately need would quickly become obvious, and we’d probably have no trouble making our shopping list for hurricane supplies.  It’s hard to truly feel that level of desperation when it’s just a bad daydream, but fantasize reality we must if we’re going to understand why it’s so important to stock up on critical supplies – in advance rather than waiting until a hurricane is actually out there and threatening.

Up front, I’ll stipulate that not everyone can financially afford to stock up in advance like this.  So, those of us with the means to do so have an even greater responsibility to shop now and be self-sufficient in the days following the storm.  If we don’t, then we are unnecessarily taking up space in the last-minute long lines at stores during a hurricane warning and at emergency distribution centers in the aftermath.  Some of us could even go a step further and directly help a less fortunate neighbor that we personally know to obtain the most critical supplies, or we could donate to a nonprofit organization that might be able to make that happen.

Stocking up on hurricane supplies is, after all, mostly not about convenience.  Some items really do fall into the category of essential for survival and returning life back to “normal” as soon as possible.  We really need think carefully about what we’ll need to survive for days with the power out and in isolation from emergency responders because roads are blocked by debris or floodwaters and they’re applying their resources to other hard-hit areas.  The list of absolutely essential hurricane supplies has to include at least the following items in my top ten:

  1. Hurricane_Supplies_4-4-16Bottled water. I’d shoot for at least one gallon per person, per day, for at least seven days.
  2. First aid kit. This is even more crucial than at first glance.  Maybe, for example, you get through the storm unscathed, but what if you are injured while emergency responders cannot reach you?  Even worse, what if it’s your child?
  3. Prescription medications. Fill these before the storm since the pharmacies might not reopen for quite a while.  For some of us with serious conditions, it’s simply not a viable option to miss a dose.
  4. Over-the-counter medications. Think beyond basic pain relievers to include all kinds of remedies for ailments that might not be a big deal when the drug stores are open but that could worsen without any treatment.
  5. Non-perishable foods. You’ll need enough for your entire family for a minimum of one week.  Get as many of those convenient pop-top opening cans as you can find, but always have a manual can opener.  It’s really embarrassing during a power outage to push the lever on an electric can opener over and over and wonder why it’s not working.
  6. Formula, diapers, and other baby supplies. This obviously does not apply to everyone, but it wasn’t that long ago that my wife and I had an infant in our home during an actual hurricane – so trust me, these are not the kinds of supplies you want to be racing to scoop up at the last minute.  There are too many other parents that will be faster than you in getting to the stores and clearing out the shelves.
  7. Battery-powered AM/FM/NOAA Weather Radio. If possible, get one that also receives the audio from local television stations.  Don’t cut yourself off from potentially life-saving information.
  8. Batteries. This is for everything with an on/off switch that can operate without a cord, and not all of these are just for fun.  Start with noting what size batteries your flashlights take.
  9. Toiletries.  ‘Nuff said, except I’ll say that an often-overlooked item is moist towelettes.
  10. A waterproof and fireproof container.  Store in here your priceless photos and important papers, including insurance policies and documentation of your home’s contents that you’d need for an insurance claim.

Elaborating on non-perishable foods, I’m always on the hunt for out-of-the-box thinking on what to eat in the aftermath of a hurricane.  I love having an excuse to eat nothing but potato chips and peanut butter sandwiches as much as the next guy, but things don’t have to be so elementary school.  If you have a gas grill in the backyard, get an extra tank and fill it up this weekend.  You’ll thank yourself later, with or without a hurricane this year.  Your summer holiday weekend cookout will hit a major snag if you run out of propane, without a spare, before you’ve flipped the burgers over.  If a hurricane does strike and your electric stove goes out of commission, your gas grill – especially if it has one of those side burners – will be a valued friend.  If you’ve stocked up on water, you can cook non-perishable foods like pasta.  A simple hot meal will be an exquisite luxury in the days after a hurricane.

Our society’s increased reliance on technology has forced us to expand our list of emergency supplies as compared to years past.  Have you thought about all of the modern conveniences that are not going to be functioning when the power is out – possibly for days or even weeks – after a hurricane?  Here are my top five technology-driven hurricane supplies:

  1. Cash. It will quite literally be king when the ATM screens are dark and swiping a credit card accomplishes nothing during an outage.  And put some under the proverbial mattress way in advance if you can, so that you can avoid ultra-long lines in an actual hurricane event.
  2. Gas for the car. Fill up as far in advance as reasonably possible.  In past hurricane approaches, I’ve filled up in the middle of the night just before the storm.  I wasn’t the only one with the idea, so there was some safety in numbers, but I avoided the longest lines and it saved a lot of time the next day to focus on other preparations.
  3. Offsite data backups. This is no longer just a problem for computer geeks like me.  How many important records, family photos, and other irreplaceable files are stored on your laptop, desktop, or mobile device?  Not only can a hurricane (or other weather disaster) take out both your computer and your backup disk in one fell swoop if they’re both stored at home, so can a fire, a robbery, or disk drive failures.  You could store a backup disk at some other location in town, such as a safety deposit box.  Another option is online backup services to which you upload your data.
  4. Solar-powered USB chargers. The first person in my household to not only find out about but also own one of these was my 11-year-old son.  When I asked him, “why do you need one of those?”, he said, “Daddy, it’s really cool.  Plus, it’ll be really good for our hurricane supplies.”  He’s already saved the day with that thing when my phone was out of power one day at the beach.  Many of these chargers can also be powered up via an electrical outlet before the storm.  Variations on the same theme include cell phone and USB chargers powered by conventional batteries.
  5. This is not in everyone’s budget, but this article would be incomplete without mentioning generators, whether they be portable or permanently installed. I can’t emphasize enough, however, that you must NEVER operate a generator indoors.  Carbon monoxide poisoning has wiped out entire families.

Patience can be in short supply after a hurricane, but a little advance planning can help you and your family – especially the kids – to endure the potentially lengthy aftermath.  Assemble their favorite pillows and blankets, sleeping bags, books, and board or card games (especially if evacuating).  Reading to your younger kids might be one of the most enjoyable ways to help them pass the time.

I’ve referred in this article to hurricane supplies, but they’re important to have on hand for any natural or man-made disaster that might force you to survive on your own for many days.

Here are a couple of supplies to NOT put on your hurricane season shopping list:

  1. People have died in fires during power outages after leaving candles unattended.  See batteries and flashlights above.
  2. box_tapelessTape for windows. In all seriousness, Go Tapeless.  Tape does not keep your windows from breaking, so you’d be wasting your time and money.  Even worse, tape serves to make the broken pieces larger and deadlier.  People have died standing behind windows or glass doors with a false sense of security.

If your season ends up being hurricane free, have a party in December, and eat and drink your hurricane supplies so they don’t eventually expire and go to waste.  You can restock your supplies once per year.  Search online to see if your state offers sales tax exemptions for a few days each year on hurricane preparedness items, sometimes on big-ticket purchases like generators.

I’m sure I haven’t thought of everything, but hopefully this has created in you a severe brainstorm that will ultimately leave you better prepared for not only the storm itself but the awful aftermath.  For more details on what you might need in your supply kit, visit

Day 3: Secure an Insurance Check-Up

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Put an Insurance Review on Your Hurricane Prep To-do List

Jeanne M. Salvatore
Senior Vice President and Chief Communications Officer, Insurance Information Institute
@JeanneSalvatore / @iiiorg






Most people don’t put insurance on their hurricane preparedness checklist. But they should! Having the right amount and type of insurance is a crucial component of disaster preparedness.  And the good news is that it only takes one simple step – a call to your insurance professional.

Making sure you understand all your insurance options and updating insurance coverage should be as routine as an annual physical. Think of it as a way to maintain a healthy financial future if a natural disaster were to strike.

Hurricane_Insurance_4-4-16Prior to a conversation with your insurance professional, take a few minutes to write down all of your insurance questions. Or even better, pull out and read your current insurance policy. This is bound to lead you to more questions, and that’s a good thing.

An important partner in hurricane preparedness is an insurance agent or company representative who is willing to answer all of your questions and clearly explain what is covered and what is not.  If he or she can’t answer questions to your satisfaction, find another insurance professional.  Insurance is a very competitive business, and there are many insurers who would like to deliver top-notch service to you and your family.

Know which disasters are covered in a homeowners policy and which are not.  Wind damage is covered, no matter if the cause is a tornado, catastrophic hurricane or just a summer storm. When a wind blows, it is going to be covered by standard home and business insurance policies. Keep in mind that in most coastal states there is both a standard deductible and a hurricane deductible. The former is a flat dollar amount, such as $1,000, while the latter is typically a percentage of the insured value of your home.

The one big hurricane-related disaster that is not covered by standard policies is flooding.  Fortunately, flood insurance is available from the National Flood Insurance Program (NFIP) and from a few private insurance companies.

NFIP_LogoDid you know that 90 percent of all natural disasters involve some form of flooding? That is reason enough for everyone to consider flood insurance.  And don’t be lulled into the false notion that only areas bordering large bodies of water get flooded. Floods can occur wherever it rains, and at least 20 percent of flood claims are paid to people who live in low- to moderate-risk flood zones. In general, the lower your flood risk, the less you pay for protection. Learn more about your risk of flooding and the estimated cost of an NFIP flood insurance policy by going to

I always remind people that in addition to the right kind of coverage, they also need the right amount of insurance. What that means is having enough insurance to completely rebuild your home and replace all its contents. Rebuilding costs are often a lot higher than a home’s real estate or market value, because the costs of building materials and labor continue to rise.

Be smart. Be ready. Ask questions. Give yourself confidence that your insurance is up to date and ready to protect your financial future – before hurricane season starts.   For more information on insurance, visit the Insurance Information Institute’s website at

Day 2: Develop an Evacuation Plan

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Do You Know Your Zone?

Craig Fugate
Administrator, Federal Emergency Management Agency (FEMA)
@CraigatFEMA / @fema

FEMA Administrator Craig Fugate in the FEMA Studio

FEMA logo






evac signHurricane season is almost here. The season officially starts June 1 and ends November 30. During these six months, forecasters watch hurricanes as they develop offshore. While we may see a hurricane coming, we won’t know the exact impact it will have on every community until it makes landfall. To ensure the safety of you and your family, don’t wait until it’s too late to prepare; find out your hurricane evacuation zone today.

It only takes one hurricane to change your life and your community. Now is the time to prepare. When a hurricane hits, it can bring high winds, heavy rainfall, storm surges, coastal and inland flooding, rip currents, and even tornadoes as part of a destructive, hard-hitting package. That’s why if you live in an area where hurricanes are a threat, you need to know where you’d go before the danger arrives and makes evacuation impossible.

Remember these key tips when it comes to hurricane preparedness:

Know your evacuation zone. Evacuations are more common than people realize. Many communities have designated evacuation routes and evacuation zones. Make yourself familiar with these evacuation zones, so if your local authorities issue an evacuation order, you’ll know if you need to leave. It’s also a good idea to know where you’d go if told to evacuate. Be sure to account for your pets, as most local shelters do not permit them. However, by law, public shelters do accept service animals. Remember: if a hurricane threatens your community and local officials say it’s time to evacuate, don’t hesitate — go as soon as you can.

Complete a family communication plan. Plan how you will assemble your family and loved ones, and anticipate where you will go depending on the situation. Choose several destinations in different directions so you have options in an emergency, and know the evacuation routes to get to those destinations. Get together with your family and agree on the ways to contact one another in an emergency, identify meeting locations, and make a Family Emergency Communication Plan.

Hurricane_Prepare_Day 2Sign up for local alerts on your phone. Sign up now so you can stay aware if a storm threatens. Visit and learn how to search for local alerts and weather apps that are relevant for hazards that affect your area. Download the FEMA app for disaster resources, weather alerts, and safety tips. Earlier this month, FEMA launched a new feature to its free smartphone app that will enable users to receive push notifications to their devices to remind them to take important steps to prepare their homes and families for disasters. The app also provides a customizable checklist of emergency supplies, maps of open shelters and open recovery centers, tips on how to survive natural and manmade disasters, and weather alerts from the National Weather Service for up to five locations across the nation.

Make sure your insurance policies are up to date. Hurricanes have caused eight of the ten costliest disasters in U.S. history, and strong winds or just a few inches of water can cause tens of thousands of dollars in damage to a typical home. Many states have increased deductibles for hurricanes, and not all hurricane-related losses are covered under traditional policies. Also, most homeowner’s insurance policies do not cover damage from flooding. Flood insurance ensures that consumers have adequate financial protection against the devastating effects of flooding, without having to rely on post-disaster loans (usually paid back with interest) or emergency assistance. If you have insurance, review your policy, ensure you’re adequately covered and understand any exclusions, and contact your agent for any needed changes. If you’re not insured against flooding, talk to your agent or visit If you’re not a homeowner, renters insurance policies are also available and should be considered as they’re often low-cost methods of protecting your belongings.

Get prepared now and know what you’re going to do in the event of a hurricane. Planning ahead gives you more options and better control over situations that could become chaotic at the last moment if you’re not ready. To learn more about how to prepare for a hurricane visit Find out about preparedness drills or exercises in your area at

Day 1: Determine Your Risk

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“It’ll Never Happen to Me”:  Getting Past Barriers to Determining Your Hurricane Risk

Dr. Rick Knabb
Director, National Hurricane Center
@NHCDirector / @NWSNHC






“I’ve lived here for decades, and we’ve never had a hurricane.  I figure I’m good.”
“We got hit last year, so this year it’ll be someone else’s turn.”
“I don’t want to evacuate and do all of those other things unless I know for sure it’s going to hit here.”
“I’m staying for a cat 1 or 2, and maybe a 3, but a 4 or 5?  I’m outta here!”
“I just hope we don’t get hit this year.”
“It’ll never happen to me.”

These are actual statements people have made to me during my travels around the country over the years.  Many of you have probably heard similar things.  These are the “before” statements.  What do people often say after they’ve actually been hit hard by a hurricane or other weather disaster?  You know how it goes…

“In all the years I’ve lived here, I’ve never seen it like this.”
“No one told me it could be this bad.”

And this one really hurts to hear:

“I don’t have enough insurance.  I’ve lost nearly everything.”


So many of us seem to be willing to take the gamble, do little or nothing, and hope that a hurricane doesn’t affect us where we live – even though we generally understand that we could lose a lot if a hurricane does come our way.  Simply hoping that a hurricane doesn’t strike this year puts us in a weak position, even though we all want our families, homes, businesses and communities to be strong.

Hurricane_Hazards_4-4-16The first step for all of us to get past these initial mental barriers is to fully realize all of the hurricane risks we face.  Your specific risks depend a lot on exactly where you live, but let’s get a few basics out of the way.  Hurricanes are not just coastal events.  Damaging and deadly winds, tornadoes, and rain-induced flooding can occur hundreds of miles from the coast and days after landfall.  Even storm surges that affect coastal regions can go a lot farther inland – several miles in many locations – than many people realize.  Too many unwary swimmers, surfers, and boaters have lost their lives from rip currents and waves near the coast from tropical cyclones that remain well offshore.  In the United States over the past half century, nearly 90% of the direct deaths – those attributable to the forces of the storms –have been caused by water, with storm surge taking about half of these lives.  Although winds can certainly be damaging and deadly, we must not underestimate how heavy, powerful, damaging, and deadly water can be when determining our hurricane risk.

Some topics get a lot of attention but can actually distract us from properly assessing our hurricane risk, and from taking the right steps to confront it.  We hear a lot about what the various seasonal hurricane forecasts say, what El Nino is doing, or how long it’s been since the last hurricane hit our town, or our state, or our country.  But none of these things tell you anything helpful about whether you’re going to get up close and personal with a hurricane this year.  No one can tell you that months in advance; the five-day forecasts are challenging enough (remember Erika and Joaquin from just last year?).  We make it a point to remind folks how little relationship there is between local impacts and seasonal activity;  1992 is the classic example, a “quiet” season with only one major hurricane.  Yet that one was Andrew, which struck South Florida at category five intensity.  The bottom line is that it only takes one hurricane or tropical storm to make it a bad year for you, and we need to prepare the same way every year for hurricane season, regardless of whatever expectations might be floating about for the season overall.

That’s the logical way to look at preparedness, but it can be even more motivating to consider the emotional aspects of getting ready for a hurricane.  How my family and I contend with our risk from hurricanes (or other perils) is a very personal and emotional topic, and I suspect that if you think about it for any length of time, it would be for you as well. The emotional response from envisioning my family and home experiencing a hurricane is a great incentive for me to take steps now to get us ready in advance – long before an actual hurricane is on our doorstep.

U.S. Navy photo by Gary Nichols
U.S. Navy photo by Gary Nichols

I don’t just think about going through the storm itself – I also plan for the potentially nasty, dangerous, and lengthy aftermath.  How would I feel if, for example, my home was severely damaged by wind, water, or both – and I didn’t have enough insurance to rebuild the home and replace its contents?  How much longer would it take for our lives together to get back to “normal”?  What would it do to our family’s financial future to try to recover without enough insurance?  This is why we are visiting our insurance agent this month for an annual checkup.  Whether you rent or own, live coastal or inland, visit your insurance agent and ask lots of questions to make sure you’re adequately covered.  Don’t forget flood insurance, which must be obtained separately because it is not included in standard insurance policies.  Along with promising yourself to never drive your car on a water-covered road (Turn Around Don’t Drown!), getting flood insurance is one of the best ways to deal in advance with your risk of inland flooding.  Inland flood risk varies by location, but a good starting point is to know that for nearly all of us, if it can rain where you live it can flood where you live.  Those who live close enough to the coast to be vulnerable to storm surge have that additional reason to get flood insurance.  Update your insurance now, because waiting periods make it difficult or impossible to put new coverage in place when a hurricane is actually out there and you suddenly feel the urge to visit your agent.

The reason I go shopping for disaster supplies before every hurricane season is because the alternatives are extremely unpleasant at best and dangerous or catastrophic at worst.  How would I feel if a hurricane was approaching and I decided to go shopping for those supplies at the very same time it dawned on everyone else who hadn’t stocked up in advance?  I’d wait in horribly long lines for things my family desperately needs, but in many cases I’d find that stores were out of those items by the time I got there.  The possibility of being isolated from emergency responders for days after the storm, with power out, stores closed, and no supplies is pretty frightening. I’ll be posting another blog entry later this week about what’s in my disaster supply kit.

Robert Kaufmann/FEMA
Robert Kaufmann/FEMA

My neighbors might think I’m strange, but they’ll soon see me testing my window shutters to make sure I can properly put them in place.  It’s been a while since we’ve had to put them up for a real hurricane threat.  But far better to make sure all is in order now, than risk having to tell my wife when a hurricane warning goes up that I can’t protect our home from the debris that might soon be flying around our neighborhood in hurricane-force winds.

There are so many ways that each one of us might identify things – some of them relatively simple and inexpensive – that we can do to make our home stronger before the next hurricane strikes.  In addition, when you talk to your insurance agent, ask about what discounts you could get on your premium for making some improvements to your home that might not be as expensive as you expected and that might pay for themselves over time.

Those are just some of the actions I’m taking before hurricane season starts, and these are good topics for a national conversation.  Today is the first day of National Hurricane Preparedness Week here in the United States, and for the first time the week coincides with the Hurricane Awareness Tour that this year visits Gulf Coast states.  The week truly promises to be bigger, better, and more effective than ever before at helping us all get ready for hurricane season.  This will be the second year in a row that we bring to each stop two different types of aircraft that are critical components of our hurricane monitoring and forecasting arsenal – a U. S. Air Force WC-130J from Keesler AFB in Biloxi, Mississippi, and the NOAA G-IV jet stationed at MacDill AFB in Tampa, Florida.  In addition, several organizations that have already indicated their partnership with NOAA and the National Weather Service by becoming Weather-Ready Nation Ambassadors will now spring into action in the tour stop cities or in many other locations to promote hurricane preparedness and resilience.

We hope that this tour and other preparedness week activities leave you with a greater confidence in your government at all levels, knowing that federal, state, and local officials are devoting extensive resources to plan together in advance for the next hurricane.  On display this week are some of the most advanced technologies and communications tools available to help us issue the most effective hurricane forecasts and warnings, in support of evacuation and other decisions by emergency managers and to promote communication of a consistent message by our media partners.
hurricane_ awarenessPHOTO - USAF Reserve WC-130J and the NOAA G-IV on display in Norfolk HAT May 2005

This post is the first in a series of daily Inside the Eye blog entries that will focus on a chosen theme of the day.  Some of the articles have been written by prominent experts from the emergency management community and from our nonprofit partners, and we thank them for their contributions.  Later this week we will focus individual days and blog posts more thoroughly on the topics of getting an insurance check-up, stocking up on disaster supplies, and strengthening your home.  We will also close out the week by talking about identifying trusted sources of information and then putting it all together in a written hurricane plan for yourself, your family, and, if applicable, your business.

We will first focus tomorrow on planning for evacuation, which is how we can most easily determine and respond to our risk of storm surge.  That’s the place to start if you’re feeling overwhelmed by everything involved in hurricane preparedness.  The topics of insurance, supplies, and stronger homes have a lot to do with not only safety but also recovering more quickly and fully after the storm.  But it’s hard to be resilient if you’re dead, and evacuations are called beforehand by emergency managers to save lives in large numbers, primarily from storm surge that has historically caused more fatalities than any other hurricane hazard.  FEMA Administrator Craig Fugate is the author of our guest blog post on this topic, so I invite you back into this space tomorrow to hear it straight from the top of the emergency management community.

I’ll just hit the high points for the moment about evacuation planning.  Find out today if you live in a hurricane evacuation zone, by contacting your local emergency management agency. Don’t assume that this is only a problem for people with beachfront property.  In many coastal states, the risk of storm surge extends several miles inland in some locations.  If you do live in one of these zones, decide today where you’d go and how you’d get there in a real hurricane event if told to evacuate by local emergency managers.  Then, when that hurricane actually threatens and those officials instruct you to evacuate, you go!  And here is my plea if you live far enough inland that you find out you don’t live in a hurricane evacuation zone:  identify today someone you care about that does live in an evacuation zone, and you work it out to be their inland evacuation destination.  Those of you who live in a mobile home (or any other structure that is not safe from strong winds) should not plan to host evacuees, as there is a very good chance that emergency managers will also tell you to evacuate to safer shelter.

4-6-16 HURRICANE STRONG Logo FINALSo let’s go!  Let’s go dedicate ourselves to being #HurricaneStrong as our friends from the nonprofit Federal Alliance for Safe Homes (FLASH) are encouraging us to do.  You’ll see and hear a lot about that initiative this week, as it focuses on the same themes we’re talking about during National Hurricane Preparedness Week.  It’s about realizing that we help decide our own outcome from the next hurricane, and then helping one another to flex our collective muscles and take action now, well in advance.  We can’t just let that hurricane decide what happens to us while we sit on the sidelines.  Our businesses, homes, families, and friends are worth the effort, and we simply owe it to ourselves.  It’s just as personal for you as it is for me.