Having been through two floods in the last 14 years in Lake Nebagamon, I can tell you it is expensive, and one can suffer the loss of items that are not replaceable. More importantly, it can endanger a persons. After the most recent flood last year I've found out from my insurance company that they do not cover flood damage, and was told this is pretty much the case with all insurance companies. I downloaded the free app, and it does offer good advice, not only in preparedness, but also during and after. I urge you to download the app, it could help you a great deal.