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Flood Resource Center

Flooding can strike with little warning, causing costly damage, disrupting operations, and putting people at risk. Discover how Marsh McLennan Agency can help you understand your risk, prepare effectively, respond quickly, and recover with confidence.

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Claims assistance

Report your claim to your insurance carrier as outlined in your policy. If you need help, just reach out to your local MMA office.

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Protect against flood risks.

As weather patterns shift, the risk of flooding has become a pressing concern for both businesses and families nationwide. Preparation is key to safeguarding your assets and loved ones against the unpredictable nature of floods.

Major floods can lead to devastating consequences, including:

  • Structural damage: Floodwaters can compromise the integrity of buildings, resulting in costly repairs and potential property loss.
  • Business disruption: Flooding can halt operations, leading to lost revenue and impacting employees’ livelihoods.
  • Health risks: Stagnant water can harbor harmful bacteria and pollutants, posing serious health risks to individuals and communities.
  • Emotional toll: The aftermath of a flood can be overwhelming, causing stress and anxiety for those affected.

 

CAT Resource Center

Visit our partner Guy Carpenter's Insights Library. This resource center offers live and post-event updates, seasonal outlooks, and periodic insights on natural catastrophes.

Insights Library

Important resources

Flooding is one of the most common and costly natural disasters in the U.S., and it’s no longer just a coastal issue. Stay informed about the resources and programs available to you, your family, and your business.

Flood maps are one tool that communities use to identify areas with the highest risk of flooding. FEMA maintains and updates data through flood maps and risk assessments.

Use these resources to assess the risk at your location.

Flood risks are constantly changing over time, driven by the growing number of building developments and severe weather patterns. FEMA is working with federal, state, tribal, and local partners to develop the Risk MAP program, which aims to reduce flood risk exposures.

Take steps to protect your home, family and financial security throughout the year, and take extra precautions when flooding is predicted in your area. Learn more here.

Protecting your business and employees

Flood risk is not one-size-fits-all. Even properties outside of high-risk zones file flood insurance claims.

Knowing what you’re up against can help you prepare and act with clarity. Here are some quick facts:

  • Flooding can happen anywhere. Nearly 25% of flood claims come from low- to moderate-risk areas.
  • Check your flood zone. Use FEMA’s Flood Map Service Center to assess your property’s risk level.
  • Understand coverage gaps. Most commercial property insurance policies exclude flood damage, and you may need a separate flood insurance policy.
  • Business impacts go beyond water damage. Disruption to operations, equipment loss, mold, and infrastructure failure can delay recovery.

Our partners at Torrent Technologies, Inc. recently published the 2025 State of Flood Report: Avenues of Attraction. This report highlights the urgent need to close the significant flood insurance gap that leaves many communities vulnerable.

Preparedness is your best defense and reduces risk. Protecting your business starts with a solid plan and accelerates recovery after an event. Here are some necessary steps we recommend starting with:

  • Back up critical business data and store important documents in the cloud or off-site.
  • Create a business continuity plan that includes flood-specific contingencies.
  • Elevate and protect essential equipment, such as systems, servers, and electrical panels.
  • Check your flood insurance coverage—don’t wait until it’s too late.
  • Train your employees in emergency procedures, communication plans, and shutdown protocols.

Time is of the essence when a flood is approaching. Don’t wait to act or prepare your business. Here are some actions you can take right away to start preparing:

  • Monitor alerts from national services or emergency management.
  • Activate the flood plan that you put in place and communicate with employees.
  • If it is safe, shut down all utilities, including electricity, gas, and water.
  • Secure all valuable equipment on raised surfaces.
  • Evacuate early and don’t wait. Your employees' safety always comes first.

Flood recovery isn’t just about clean-up, it’s about getting your business back on track. Here's how to approach the days and weeks following a flood event:

  • Ensure safety before re-entry. Only return once authorities say it’s safe. Watch for structural damage, electrical hazards, or gas leaks.
  • Document everything. Take detailed photos and videos of all damage for insurance claims.
  • Contact your insurance carrier to initiate the claims process. Provide them with records, documentation, and a detailed inventory of your losses.
  • Reduce further damage. Secure the property, remove any standing water, and dry out the building to prevent mold growth.
  • Communicate regularly with staff and customers about timelines, services, and reopening plans.
  • Review and update your business continuity plan based on what worked and what didn’t work. This is a great time to apply the lessons learned and adjust your plans.

Protecting your home and valuables

Floods and mudslides can strike suddenly, threatening homes and communities. In 2024, NOAA reported over 1,200 flood events in the U.S. Recent data from early 2025 show that areas once deemed low-risk are now more vulnerable due to changing climate patterns. Stay informed and prepared with the resources below to protect yourself and your property.

It takes only a fraction of an inch of water to flood your home. In the U.S., flooding causes more damage than any other natural disaster.

Our Rising Waters blog examines common insurance gaps related to flood coverage and offers guidance on assessing your flood risk.

A sudden downpour can trigger a landslide, sending debris sliding down slopes and causing billions in damage each year.  
 
Learn more about the risks associated with landslides and mudslides.

For every $1 you invest in mitigation for natural disasters, it will save you $6 compared to recovery costs.

Check out these exclusive insights from Risk Advisory Leader Brad Sawyer on how to mitigate your risks as a homeowner when storm surges and flooding occur. He expands on the lift and floodproofing options (both passive and active) in our Rising Waters blog.

As our client, if you ever suffer a covered loss, a dedicated claims analyst will be available to file a claim with your insurer on your behalf and provide support throughout the entire process.

File a personal lines claim. 

If your home or valuables are affected by severe weather, use our claims guide as a tool to prepare your materials, navigate the claims process, and gain clarity on the actions you may need to take.

Brad's 2025 Thoughts

“Just one inch of water can flood a home and cause damage, so risk mitigation measures, such as floodproofing techniques or elevating a home, are key for homeowners who are looking to enhance their property’s resiliency.”

Brad Sawyer
SVP, Risk Advisory Leader