Floods are one of the most common hazards in the United States, and can make a range of impact on the affected areas. Some floods can develop without visible signs of rain, and can happen over the course of time or in a matter of minutes. Be aware of these hazards no matter where you live and work, but pay close attention if you are near water or in low-lying areas. Even the smallest and driest streams and creeks can flood.
Losses from floods are not typically covered under homeowner and renter's insurance policies. The National Flood Insurance Program (NFIP), managed by FEMA, makes flood insurance available to areas that adopt and enforce floodplain management ordinances to reduce future flood damage. Flood insurance is available through your local insurance agent, however there is a 30-day waiting period before the policy will take effect.
FEMA provides various grants for several state and local governments and organizations. Information for these grants (Preparedness Grants, Assistance to Firefighters Grants, Hazard Mitigation Assistance Grants, Disaster Grants and United States Fire Administration Grants) may be found on the FEMA website.