The City of Murray, Kentucky


Individual and Community Preparedness Tips

Flood Safety Awareness

While early spring can be a welcome break from winter weather, it brings with it an increased risk of floods. As snow melts, it can unexpectedly overwhelm streams and other bodies of water that cause flooding, making now a good time to review flood safety measures.

Flooding is the most common natural disaster in the United States. That is why flood insurance is so important. In addition to ensuring you have the right insurance coverage, here are some tips to keep in mind during the flood season:

If you live in a flood zone, consider purchasing flood insurance. Flood insurance is a separate policy from homeowner's and renter's insurance. FEMA manages the National Flood Insurance Program (NFIP) and approximately 60 insurance companies and NFIP Direct offers the insurance to the public. The program provides insurance to help reduce the economic impact of floods. To purchase flood insurance, call your insurance company or agent, or contact the National Flood Insurance Program (NFIP).

For more information, visit

If You Experience a Flood, Does Your Insurance Policy Cover Your Important Belongings?

Seventy-eight percent of the 2020 National Household Survey (NHS) respondents reported they had homeowner's (or renter's) insurance policies. However, only 21 percent of NHS respondents who lived in a flood-prone area said they had flood insurance. Flood insurance is important because most home insurance policies do not cover flooding. The reason why so few people have flood insurance may be because fewer than 2 percent of NHS respondents had read, seen, or heard about how to get it.

To learn more about flood insurance and to find a flood insurance provider, visit the National Flood Insurance Program (NFIP) and websites. Remember, most homeowner's (and renter's) insurance policies often do not cover floods, and it takes about 30 days for flood insurance to go into effect after the purchase date. Increase your chances of remaining resilient after a flood by having flood insurance.

Updated Preparedness Curriculum Now Online!

Help children you know step into emergency readiness by taking a look at FEMA’s updated Student Tools for Emergency Planning (STEP) curriculum! STEP is newly revised and expanded for a range of ages and settings inside and outside of schools. Most important of all, this program is free for public use. These emergency preparedness lessons are tailored for students in the fourth grade and above, and include fun activities—many of which are now digital.

STEP guides students to create emergency kits and family communication plans. It also teaches students about disasters, from severe weather to wildfires. The program can be taught in schools, during scout programs, or as part of community events.

STEP includes three core lessons that can each be taught in as little as 30 minutes. Educators can also incorporate five supplemental lessons on specific disasters. A series of YouTube videos, called Disaster Dodgers, help introduce each concept to students. The activity book offers 18 activities to reinforce ideas and jumpstart creativity.

The updated STEP curriculum is available at

* Extracted from FEMA Individual & Community Preparedness Email Newsletter