As the days shorten and get cooler, we all spend more time inside our homes. According to the National Fire Protection Agency (NFPA), U.S. home heating fires peak during winter months. Now is a great time to take steps to prevent home fires and ensure your family survives a house fire. 

You never know when a disaster or an emergency might strike. In that crisis moment, your preparedness and training—with your family and neighbors—might save your life and home.
Bill and I have been teaching disaster and neighborhood readiness for five years as a way to build connected, caring, and resilient neighborhoods. All our training was put to the test on January 4th, 2023, when a power surge ignited an electrical fire in our basement, threatening our lives and property.
We survived and saved our home because of our training and the support of our neighbors. I’m writing this blog to pass along lessons we learned, including what skills and preparation counted the most during this emergency. My hope is that you might learn from our experience and take steps to get prepared, to protect yourself and family, today. This could happen to you. Be ready for it!

FEMA News Release
​Oct 27th, 2022, FEMA News Desk (425) 487-4610
Purchase Flood Insurance to Protect What You’ve Built
BOTHELL, Wash. – If you do not carry National Flood Insurance Program (NFIP) insurance, now is the time to buy it. Wildfire season is slowing down, and once the fires are out, people and communities are at risk for another threat, flooding.  Wildfires leave the ground charred and unable to absorb water. This creates a flash flooding potential for years to come, even in areas that rarely experienced flooding in the past. Sometimes these flash floods can pick up ash and large debris, turning into mudflows that are highly destructive.
Unlike many causes of damage, flooding and mudflows are generally not covered by a homeowners’ policy. An uninsured flood loss can eat into your life’s savings. Floods are the most common and expensive natural disaster in the U.S.  Just an inch of water in an average-sized home can cause $25,000 in damage. A NFIP policy protects against such losses and can ensure that a flood doesn’t bring financial ruin.
Flood insurance is easy to get, the only requirement is that you live in an NFIP participating community. These include cities, counties and other jurisdictions that manage development. You don’t need to live in a floodplain to purchase a policy. If you live outside a floodplain, insurance will likely cost less than for those living in a higher risk area.
Buyers should be aware of the 30-day waiting period for an NFIP policy to go into effect. It is important to purchase a policy now to protect your property against the continuing threat of flooding. You can usually purchase flood insurance from your current agent. If that isn’t possible, NFIP representatives can help you find one.
As with any insurance, be sure to talk with your agent about the specifics of your policy. Find out more about your risk and flood insurance at www.floodsmart.gov. To purchase flood insurance or find an agent, call 1-800-427-4661.
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