Rain downpour on road surrounded by trees


Flood plans

Even if you don't live near a river or by the sea, a flood can still occur.

Floods can happen quickly and having a Flood Plan is a way of ensuring you've considered your flood risk and have made preparations to cope should the worst occur. Whilst you can't control the floods, having a Flood Plan will mean you're more in control of your situation.

Use the checklist below as the basis of your Flood Plan:

  • Check your insurance cover includes your buildings and contents and the sums insured are sufficient - don't underestimate the value of your contents or the rebuilding cost of your property. This will only complicate and potentially delay the handling of any claim
  • Know how to turn off your gas, electricity and water mains supplies (ask your supplier if necessary and mark taps or switches with stickers to help you remember)
  • Prepare a flood kit of essential items including:
  1. Copies of your home insurance documents
  2. A wind-up or battery radio and torch (plus spare batteries)
  3. Warm, waterproof clothing and blankets
  4. A first aid kit and prescription medication
  5. Bottled water and non-perishable foods
  6. Baby food and baby care items
  7. Your list of important numbers - ensure all family members know who to contact in an emergency
  8. Keep your flood kit to hand
  • Think about what you can move now - don't wait for a flood. Store items of personal value such as photo albums, family videos and treasured mementos to a safe place above the level of any flood - these could be irreplaceable
  • Think about what you would want to move to safety during a flood and where they go:
  1. Outdoor pets – do you have a suitable pet carrier for your rabbits or guinea pigs and do you know where they would stay in an emergency?
  2. Cars – where can you park your car out of risk?
  3. Furniture – can you move it upstairs or raise it above flood levels?
  4. Electrical equipment – can this be moved or at least unplugged just in case?
  5. Garden pot plants and furniture – if your garden borders a river, wooden furniture could be washed away. Consider securing it if it can’t be moved out of reach of the flood
  6. Anything else you can think of.

Important details and contact numbers

  • Environment Agency Floodline - 0345 988 1188
  • Your NFU Mutual policy number and the telephone number of your NFU Mutual local Agency
  • Local radio station frequencies for news alerts and weather updates
  • Local authority emergency helpline
  • Family and neighbours
  • Bank phone number and bank details
  • Work phone numbers
  • Doctor's surgery
  • Local police station
  • Vet/kennel/cattery
  • Local hotels or B&Bs
  • Gas supplier and meter number
  • Electricity supplier and meter number
  • Water supplier and meter number
  • Electrician
  • Plumber
  • Builder

NFU Mutual has developed advice and guidance on flooding for customers who consider themselves to be at risk of flood. For more information please click here.