12 On Your Side Alert: Flood Insurance - Prepare Now - Cincinnati News, FOX19-WXIX TV

12 On Your Side Alert: Flood Insurance - Prepare Now

12 On Your Side Alert: Flood Insurance - Prepare Now

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RICHMOND, VA (WWBT) -

Hurricane season is here.  A year ago, year Hurricane Irene hit Central Virginia. As always, the key is being prepared. The Secretary of Homeland Security, which oversees the Virginia Department of Emergency Management stopped by NBC12 with some important tips on Flood Insurance.

A year ago, Hurricane Irene disturbed lives and left behind quite a mess -- downed trees, damaged homes and thousands without power. State leaders like, Terrie Suit, Secretary of Veterans Affairs and Homeland Security, are working to make sure the public is safe in the event we are hit again.

"During Irene, especially down in New Kent, we had huge impacts and it takes time for VDOT to clear the roads for the power companies to get in to restore power. And as soon as power is up, everyone wants their cable and internet back up," she said.

Storms can be more than just an inconvenience, they can be deadly and costly. Suit says Irene was not a major flood event but hurricane season is unpredictable. She is warning everyone, if you don't have Flood Insurance, get it now.

"We are already in the hurricane season so because of that, there is a 30 day wait on getting flood insurance," she told us.

Sites like FloodSmart.gov and FEMA.gov are great resources that will help answer questions about Flood Insurance. You should also talk to your insurance agent. Even if flooding has never been a problem in your area, this storm season it could.

"Everybody is in a flood zone but if you are not in a Hundred Year Flood Zone, your mortgage company doesn't require flood insurance. But if you are not in a Hundred Year Zone and you've seen flooding in the past in your area, like Shockoe Bottom, it is very inexpensive to get flood insurance" Suit explained.

Remember, your normal homeowners policy typically will not cover flood damage. The Tropics are already active and you can never prepare too much.

"We just want to keep our citizens safe. We want to make sure their expectations are realistic. Your government is good and going to come in to help but give us a little time, because it takes time for us to come in and cut those trees away and get in to your neighborhood," Suit said. 

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