In addition to flood insurance you can also take some protective measures to prevent floods from damaging you property and belongings. FEMA recommends six ways to protect your house from flooding.
Elevation is raising your house so that the lowest floor is above the flood level. This is the most common way to avoid flood damage.
Wet floodproofing makes uninhabited parts of your house resistant to flood damage when water is allowed to enter during flooding.
Relocation means moving your house to higher ground where the exposure to flooding is eliminated altogether.
Dry floodproofing is sealing your house to prevent flood waters from entering.
Levee and floodwall protection means constructing barriers to prevent flood waters from entering your house.
Demolition means razing your house and rebuilding properly on the same property or buying a house elsewhere.
For More information on protective measures, FEMA has a free publication, "Homeowner's Guide to Retrofitting: Six Ways to Protect Your House from Flooding," Click here for a pdf version
A hard copy is also available from the FEMA distribution center. Call 1-800-480-2520 and ask for FEMA publication #312.
Also, remember to contact the building inspector or flood plan administrator before beginning any retrofitting projects. Local officials know the retrofitting methods that meet state and local government requirements. Local officials can also help guide you to possible financial assistance for retrofitting projects. Financial assistance means loans, grants, and insurance payments. For example, under FEMA's National Flood Insurance Program, a policy holder may qualify for Increased Cost of Compliance (ICC) coverage. If your house is substantially damaged by flooding, ICC coverage may help pay for some types of retrofitting.