Property Owner Flood Recovery Resources

Property Owner Resources

Kentucky Flood Preparedness Quick Guide

KDOW developed a two-page guide that covers several aspects flooding.  The Guide includes what local officials and citizens should do before, during, and after a flooding event, as well as topics such as how to find your flood risk, when are permits needed, mitigation information, substantial damage information, and more.

Download the Kentucky Flood Preparedness Quick Guide and share it throughout your community.

General Protective Measures Mitigation

General Protective Measures Mitigation reduces or eliminates future losses, but you should also consider other measures to protect your family, your valuables, and your peace of mind.

  • Have a go-kit and make an emergency plan. Instructions and templates are available from Familiarize yourself with local emergency and evacuation plans.
  • Consider purchasing a generator for your home that automatically turns on when the power goes out. If you install one, elevate it above the BFE.
  • Store important documents and sentimental items like photographs above the BFE (preferably on an upper floor). Make copies of your photos and store them in more than one location.

Mitigation Requirements for Homeowners

If your local community official determines your home to be substantially or repetitively damaged by flood, you may be required to bring the structure into compliance with the community’s local floodplain management ordinance.  If that is the case, you may be able to utilize up to $30,000 if you have a flood insurance policy issued through the (NFIP which offers a coverage called Increased Cost of Compliance (ICC).  ICC provides financial assistance to eligible policyholders to offset the costs to mitigate structures relatively faster than without having flood insurance.

For more information, talk to your insurance agent.

Property Owners Flood Insurance Claims

Starting Your Recovery: FEMA’s Flood Insurance Claim Process  – September 2018

The ABC’s of Returning to Flooded Buildings

Returning to flood damaged buildings requires careful planning.  The tips contained in this flyer are designed to assist impacted individuals when they are able to reach their flooded property.  Link to the The ABC’s of Returning to Flooded Buildings.

The Cleaning Flooded Bldgs Fact Sheet offers information on correctly cleaning and drying buildings after flooding. The advisory describes the selection and application of appropriate cleaners as well as the equipment and process needed to properly dry the building prior to any restoration efforts.

When a flooded home has not been cleaned and dried within a few weeks of the flood event, mold contamination should be expected, and specific steps are needed to clean and restore the home.  Basic cleaning and drying information is presented in the FEMA Recovery Advisory Initial Restoration for Flooded Buildings (FEMA 549, 2005), which specifies five steps for post-flood building restoration, including (1) air out, (2) move out, (3) tear out, (4) clean out, and (5) dry out.  This Fact Sheet builds on the last two of these steps and assumes that the majority of the muck-out and gutting process has been completed and the home is ready for cleaning and drying.

After A Flood: First Steps

After a Flood: The First Steps, FEMA L-198 / ARC 4476:  Your home has been flooded. Although floodwaters may be down in some areas, many dangers still exist. This brochure advises homeowners of some things to remember in the days ahead.

After a Flood:  Replacing Your Important Papers

Not only can homes be damaged by the severe storms, flooding, landslides or mudslides, but many survivors also may lose valuable personal documents.  The documents include everything from Social Security cards to driver licenses to credit cards.  Link to Replacing Your Important Papers for ways to retrieve lost documents.

Fact Sheet Available on Salvaging Family Valuables and Heirlooms Damaged by Disasters

April 2017

When homes are flooded and lives are upended, treasured keepsakes such as photos, artwork, quilts and family heirlooms become more cherished. Although they may have been damaged in the flood, these treasures may be salvageable. Over the years, preservation experts have been resources at Disaster Recovery Centers offering practical tips and steps on how to handle, dry and clean damaged objects, and share tips on personal safety, setting priorities and other preservation options.

FEMA and the Smithsonian Institution co-sponsor the Heritage Emergency National Task Force, a partnership of 42 national service organizations and federal agencies created to protect cultural heritage from the damaging effects of natural disasters and other emergencies. In addition to a new fact sheet, the Task Force’s efforts on salvaging water-damaged, important personal belongings is also featured in a post titled “Safeguarding Memories” on the FEMA blog.

Mold After Flooding

Molds are part of the natural environment and can be found everywhere, indoors and outdoors.  Mold is not usually a problem, unless it begins growing indoors.  This EPA webpage provides guidance about mold and moisture for homes, schools, multifamily, and commercial buildings.  They even have an indoor air quality page specifically dedicated to mold as part of flood cleanup at

To help communicate some of the risk of mold, the EPA has also developed an Interactive Mold House Tour page.  This tour allows users to get quick glimpse of some of the most important ways to protect structures from mold by touring the Mold House.  Room-by-room, you will learn about common mold issues and how to address them.  Visit the Mold house at

Link to the three guides described below.

  • Homeowners & Renters Guide to Mold Cleanup After Disasters” is a short, 4 page, publication that can efficiently communicate information regarding mold safety, what protective gear to use during cleanup, and debris removal guidelines to citizens following a disaster.
  • Mold, Moisture, and Your Home”, is specifically geared toward homeowners and renters.  This guide provides more in depth information such as why mold grows, cleanup, personal safety, and control tips.
  • Mold Remediation in Commercial Structures” publication.  This guide is geared toward commercial and non-residential structures and include information such as key steps to be taken, planning remediation, cleanup methods, and a checklist for mold remediation.  These guides are all from the EPA but partner with agencies such a FEMA, the CDC, Health & Human Services, and Housing and Urban Development.

You can also find more Kentucky specific information on mold and mold remediation processes on the Division for Air Quality page.  Visit to learn more.

Low Water Crossing Safety Video

Red Cross Resources

Also go to the Flood Insurance tab for information about flood insurance and floodplain management regulations.