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Floods & hurricanes: before, during & after

When the water rises and the wind howls, fear makes sense. Step by step, and together, people find their way back to dry ground.

⏱ 7 min read📑 11 sections📚 24 sources✅ Reviewed October 2026

By the numbers

How floods and hurricanes affect people, and how most recover.

Safety

#1Flooding is the most common disaster in the United States (Ready.gov).
6 inchesof fast-moving floodwater can knock an adult down. About 12 inches can carry away most cars.
Over halfof flood drownings happen when a vehicle is driven into dangerous water (CDC, cited by the National Weather Service).
Up to 30 daysis how long a new flood insurance policy usually takes to start. Standard homeowner’s insurance does not cover flooding.

Mental health

36% vs 8%One year after major floods in England, about 36% of people whose homes flooded had signs of post-traumatic stress, compared with about 8% of people not affected.
20% vs 6%In the same study, signs of depression were about 20% among flooded people and about 6% among people not affected.
Deeper waterThe deeper the floodwater in the home, the higher the chance of depression, anxiety and post-traumatic stress, the same study found.
1,637Florida adults were surveyed in the 60 hours before Hurricane Irma. People who followed more storm media beforehand tended to struggle more a month later.

Recovery

Most peoplerecover well with good social support and coping skills, SAMHSA says.
2–4 weeksIf stress signs last longer than this, SAMHSA advises reaching out for help.
6 weeksIf a child is still having a hard time more than six weeks after a hurricane, the NCTSN suggests talking with a mental health professional.
Numbers describe groups, not you. Many people live through floods and storms and recover well, especially with support.

Water and wind: why these disasters hit so hard

Long warnings, long recoveries, and a season that comes back every year.

Floods and hurricanes are different from many disasters. Hurricanes often come with days of warning, so fear can start long before the storm. Afterward, water damage, mold and repairs can stretch recovery out for months.

Hurricanes can strike any U.S. coast or territory, and inland areas can get rain, flooding and tornadoes too. Atlantic hurricane season runs from June 1 to November 30, so many people live with a yearly season of worry.

⏳ Fear before the stormWatching a storm on the map can be its own kind of stress.
Read more

In one study of Florida adults during the 60 hours before Hurricane Irma, people who expected to be badly shaken by the storm were more likely to follow lots of storm media. They also had more distress a month later.

The researchers noted that seeking information is a reasonable thing to do, but for some people it may feed stress rather than calm it.

Stay informed from one or two official sources, at set times. See “Waiting out a storm” for more.
💧 Water changes everything it touchesFloodwater can ruin homes, keepsakes and routines.
Read more

In a large study after floods in England, people whose homes flooded had much higher rates of depression, anxiety and post-traumatic stress a year later than people who were not affected. Deeper water was linked to higher risk.

People who were not flooded but had their lives disrupted, for example by losing power or being cut off, also had more distress than people who weren’t affected.

You don’t need to have lost everything to deserve support. Disruption is hard, too.
🏗️ Recovery is a long roadRepairs, paperwork and waiting can bring a second wave of stress.
Read more

After Hurricane Katrina, researchers found that mental health problems among survivors rose between the first and second years, the opposite of the usual pattern. Unresolved storm-related stresses explained much of that rise.

This is why practical help, like housing, money and repairs, matters so much for emotional recovery.

📚 Other guides that can helpThis guide goes deep on water and wind. These cover the rest.
Read more
  • After a disaster: what to do: aid, insurance, paperwork and cleaning up safely
  • Being prepared: emotional & practical readiness: go bags, alerts and family plans
  • Building a first aid & emergency kit (with comfort items for your mind)
  • Fear of storms, thunder & extreme weather: when storm fear lasts or grows
  • Natural & climate disasters: reactions, the emotional road of recovery and helpers
  • Rebuilding after big setbacks: the long road months and years later

Before the storm: getting ready calms the mind

Preparing is a way of coping. A few steps, done early, make a big difference.

When a storm is coming, doing something useful helps the body move out of freeze and into action. Ready.gov’s steps are practical, and they also give worried minds a job to do.

🗺️ Know your risk and your zoneLearn your flood risk and evacuation zone before the season starts.
Read more

Ready.gov suggests

  • Check your flood risk with FEMA’s Flood Map Service Center, and remember floods don’t follow map lines
  • Know your evacuation zone and route, and practise it with your household and pets
  • Sign up for local alerts, and consider a NOAA Weather Radio
Doing this on a calm, sunny day is much easier than in the rush before a storm.
📄 Insurance and documentsFlood insurance takes time to start. Protect your papers.
Read more

Standard homeowner’s insurance does not cover flooding, and a new flood policy usually takes up to 30 days to start. Ready.gov advises buying or renewing it well before a storm.

Keep documents in waterproof containers, and make password-protected digital copies.

Money worries are a big part of storm stress. Knowing where you stand ahead of time can ease some of that.
🏠 Protect the homeSmall jobs can lower damage and worry.
Read more

Ideas from Ready.gov

  • Clear drains and gutters
  • Consider hurricane shutters
  • Move valuables to upper levels
  • Secure outdoor furniture
  • Think about check valves and a sump pump with battery backup
🔋 Supplies for days, not hoursServices may be down for days or weeks.
Read more

Ready.gov says services may be unavailable for days or weeks after a hurricane. Keep phones charged, get backup chargers, and stock food, water and pet supplies.

Add comfort items too: a book, a deck of cards, a favourite snack. The “Building a first aid & emergency kit” guide has a whole comfort kit list.
🤝 Check on othersNeighbours, older adults and people who need extra help.
Read more

Ready.gov encourages checking on neighbours, older adults and anyone who may need help, and planning ahead for household members with disabilities.

Helping others before a storm builds the very connections that help everyone recover after.

Waiting out a storm: the hours of not knowing

Wind, rain, power cuts and endless updates. Ways to get through the night.

Waiting for a storm can feel endless. The sound of wind, flickering lights and constant updates can keep the body on high alert for hours or days.

📻 Stay informed, not floodedPick one or two official sources and check them at set times.
Read more

Research before Hurricane Irma found that heavy storm media use was linked with more distress afterward. Information seeking can backfire for some people, leading to more stress rather than less.

Ideas that help

  • Follow official alerts and local officials, not rumours
  • Keep the radio or TV off when there’s no new information
  • Set times to check, like once an hour
  • Use text messages to save phone battery and lines
🚗 Go or stay: a hard decisionIf officials order an evacuation, leave right away.
Read more

Ready.gov says that if you are in a mandatory evacuation zone and officials order you to leave, do so immediately. Storm surge has historically been the leading cause of hurricane deaths in the United States.

Leaving home can bring guilt, worry about your house and fear of the unknown. Those feelings are normal. A house can be repaired. You can’t be replaced.

🛋️ Sheltering in placeAn interior room for wind. The highest level for flooding.
Read more

For high winds, Ready.gov advises sheltering in a storm shelter or an interior room. If flooding traps you in a building, go to the highest level, but do not climb into a closed attic.

Make your safe room cosy ahead of time: pillows, water, a flashlight, a charged phone and something to do.
🫁 Calming the body in the darkSlow breathing and small routines tell your body “right now, I’m okay.”
Read more

Try this when the wind gets loud

  1. Feel your feet on the floor or your back against the wall
  2. Breathe in slowly for 4 counts, and out for 6
  3. Name five things you can see by flashlight
  4. Say to yourself: “I’m in my safe spot. I have a plan.”

Playing cards, singing, telling stories or reading aloud can help children and adults pass the hours together.

🔦 When the power goes outDarkness and heat can make fear feel bigger.
Read more

In the English flooding study, losing utilities like power was linked to higher rates of post-traumatic stress among people whose homes flooded.

Never run a generator indoors. Ready.gov says to use generators only outdoors, away from windows.

Fear in the dark is not weakness. It’s your body trying to protect you. Be kind to yourself.
If storms frighten you even when you’re safe, the “Fear of storms, thunder & extreme weather” guide has step-by-step help.

During a flood: the rules that save lives

Turn Around, Don’t Drown. Simple rules for fast-moving water.

The National Weather Service says it is never safe to drive or walk into floodwater. Under a flood warning, Ready.gov says to find safe shelter right away.

🛑 Turn Around, Don’t DrownA little moving water is far stronger than it looks.
Read more

The National Weather Service says

  • About 12 inches of rushing water can carry away most cars
  • About 2 feet of rushing water can carry away SUVs and trucks
  • Never drive around barriers on a flooded road, because the road under the water may be gone
  • Six inches of fast-moving water can knock over an adult
🚙 If you’re caught in a carStay inside in fast water. Climb on the roof if water rises inside.
Read more

Ready.gov advises staying inside your car if it is trapped in fast-moving water. If water rises inside the car, move onto the roof.

🏢 If you’re trapped in a buildingGo up, but not into a closed attic.
Read more

Go to the highest level. Use the roof only if necessary, and signal for help. Do not go into a closed attic, where rising water can trap you.

Call 911 for medical emergencies.

⚡ Hidden dangers in the waterFloodwater can carry germs, chemicals, debris and electricity.
Read more

Ready.gov warns that floodwater may contain germs, chemicals, debris and wildlife, and that downed power lines can electrically charge the water. Stay out of it as much as you can.

If you lived through a scary moment in floodwater, it’s common to replay it for a while. Talking it through with someone you trust can help.

Evacuation and life away from home

Shelters, spare rooms and hotel stays: coping when you can’t go home.

Being forced to leave home is one of the things that raises the risk of longer-lasting stress after a disaster. In the English flooding study, people who had to evacuate had higher rates of post-traumatic stress than flooded people who could stay.

🛏️ Shelters and crowded spacesNoise, no privacy and little sleep take a toll.
Read more

Shelters and crowded homes can be loud, bright and unsettling. Tiredness and frayed tempers are common, and they don’t mean you’re handling things badly.

Small comforts

  • A familiar blanket, pillow or hoodie
  • Earplugs or headphones for sleep
  • One short walk outside each day
  • Regular meals and water, even if you’re not hungry
🏡 Staying with family or friendsGrateful and strained, both at once.
Read more

SAMHSA notes that temporary housing and changing roles can strain family relationships after a disaster.

Talk openly about house rules, chores and how long you might stay. Clear plans ease tension for everyone.
🐾 Pets and evacuationPets are family, and losing track of them hurts.
Read more

Ready.gov advises including pets when you practise your evacuation route and stocking pet supplies.

Worry or grief about a pet that was lost or left behind is real grief. The NCTSN notes that some families lose a pet in a hurricane, and children may worry about pets’ safety.

❓ Not knowing what you’ll go back toThe waiting can be harder than the news.
Read more

Not knowing if your home is damaged can keep your mind racing. Try to focus on what you can do today: one phone call, one form, one good meal.

Go home only when authorities say it’s safe.

The “After a disaster: what to do” guide covers going home safely, aid and paperwork step by step.

Mold, mucking out and the long rebuild

Water damage brings hard, dirty work and a long wait. Pace yourself.

Cleaning up after a flood is exhausting, and seeing ruined belongings piled at the curb can hit hard. The CDC’s advice on stress during cleanup is simple: rest when you need to, do the most important jobs first, and don’t work alone.

🍄 Mold: why speed mattersDry things out within 24 to 48 hours if you can.
Read more

The CDC advises cleaning and drying your home within 24 to 48 hours after a flood if possible, and throwing away things that can’t be dried quickly.

Protect yourself

  • Never mix bleach with ammonia or other cleaners
  • Open windows and doors before using bleach
  • Wear an N95 respirator, goggles and gloves
  • Make sure mold cleanup is finished before moving back in

People with asthma, other lung conditions or a weakened immune system should stay out of buildings with visible or smelly mold.

📸 Photos before you cleanDocument damage for insurance first.
Read more

Ready.gov advises photographing damage and contacting your insurer.

Taking photos of ruined things can feel heartbreaking. Ask a friend to help, and take breaks.
🐢 Don’t overdo itCleanup is a marathon, not a sprint.
Read more

The NCTSN advises parents not to overdo cleanup after a hurricane, since heavy lifting and long hours can lead to injury. The CDC suggests working in teams and not lifting more than 50 pounds per person.

The NCTSN also suggests putting off major, life-changing decisions during this stressful time if you can.

🏚️ Grieving ruined thingsSoggy photos and keepsakes carry real memories.
Read more

Watching water-soaked belongings go into a dumpster can feel like losing pieces of your story. Missing “just things” is normal.

Before throwing something out, you could take a photo of it, or save one small piece, like a button or a corner of a quilt.
📋 Waiting on repairs and aidDelays and paperwork can wear you down.
Read more

After Hurricane Katrina, unresolved storm-related stresses explained much of the rise in mental health problems over time. Long waits are not just annoying. They can affect your wellbeing.

For questions about FEMA disaster assistance, apply at DisasterAssistance.gov or call the FEMA Helpline at 1-800-621-3362, 7 a.m. to 10 p.m. in your time zone, 7 days a week.

Feeling worse months later, when help has slowed down, is common. It’s a good time to reach out, not to give up.
🔁 Flooded more than onceRepeat floods and storms don’t get easier.
Read more

A study of Florida residents found that people didn’t get used to repeated hurricanes. Responses to later storms tended to be more negative, not less.

If you’ve been through this before, it makes sense if this time feels heavier. That’s a reason to ask for more support, not to blame yourself.

For mold, gas, power and other cleanup dangers, see “Going home and cleaning up safely” in the “After a disaster: what to do” guide.

Children after floods and hurricanes

What kids may feel, and the everyday things that help them most.

The National Child Traumatic Stress Network says most families recover over time. Children take their cues from the adults around them, and their reactions usually fade as time passes.

🌧️ Common reactionsWorry, clinginess, sleep changes and fear of the next storm.
Read more

The NCTSN says children may

  • Be more sensitive to thunder, wind and loud noises
  • Become clingy, or worry about being apart from family
  • Feel anxious about future storm warnings
  • Go back to younger behaviours, like baby talk or bedwetting
  • Have headaches or stomach aches
  • Have changes in sleep or appetite
  • Play out or talk about the storm over and over
  • Seem more irritable, restless or withdrawn
Teens may take more risks, like drinking or hurting themselves. If you notice this, reach out for help.
💬 Talking about itShort, honest answers, and room for more questions.
Read more

The NCTSN suggests using family times, like meals, to talk. Answer questions briefly and honestly, and ask children for their ideas too. Questions may come up again and again as things change.

With younger children, follow a storm conversation with a favourite story or game to help them feel calm again.
🛌 Bedtime and sleepBedtime is often when fears show up.
Read more

Children may feel anxious about being apart from parents at bedtime. The NCTSN suggests extra time together at bedtime, like reading a book.

It’s okay for young children to sleep with you for a while, with a plan to return to their usual arrangement on a set date.

🧹 Letting kids help, safelyHelping builds confidence, but keep them out of hazardous cleanup.
Read more

The NCTSN says children cope better when they feel they’re helping, and suggests giving them small tasks, then a break for play.

Ready.gov says children should not do disaster cleanup work. Choose safe jobs away from mold, debris and floodwater, like sorting dry toys, drawing thank-you cards or helping with meals.

📺 Routines, news and boredomStructure helps. Too many storm images don’t.
Read more

The NCTSN suggests

  • Find community programmes with child-friendly activities when usual activities are cancelled
  • Keep family rules and expectations
  • Keep to routines like meals and bedtime as much as you can
  • Limit how much storm coverage children see
  • Listen to what adults are saying around them, since children can misunderstand
  • Tell them what’s being done to fix power, water and homes
🩺 When to get help for a childIf struggles last more than six weeks, check in with a professional.
Read more

The NCTSN advises talking with a mental health professional if a child is still having difficulties more than six weeks after a hurricane.

Get help right away if a child or teen talks about wanting to die or hurts themselves. Call or text 988, or call 911 in an emergency.

Storm season, rain and anniversaries

Why heavy rain, the first of June or a date on the calendar can bring it all back.

SAMHSA says the anniversary of a disaster can renew fear, anxiety and sadness, and some people start dreading it weeks or months ahead. Sounds and other reminders can stir up distress at any time, not just on a set date.

🌦️ When the rain starts againHeavy rain or wind can set off your body’s alarm.
Read more

The NCTSN notes that after a hurricane, children may be more sensitive to thunder, wind and loud noises, and more anxious about future warnings. Many adults feel this too.

Remind yourself: “That was then. This is now. I have a plan.” Then check one official forecast, and step away.
🗓️ The start of hurricane seasonJune can feel heavy for people who’ve been through a storm.
Read more

Atlantic hurricane season starts on June 1. For many survivors, the start of the season is a reminder in itself.

Using that time to update your plan and supplies can turn dread into action.

🕯️ Marking the anniversaryA gentle plan helps on a hard day.
Read more

SAMHSA suggests

  • Allow yourself to feel angry or sad. These feelings are natural
  • Be gentle with yourself
  • Lean on faith or spiritual support if that helps you
  • Let the people in your life show they care
  • Talk about your losses with someone you trust
Some communities hold memorials or clean-up days on the anniversary. Others plant trees. Find what feels right for you.

How to support someone, and how community helps

Practical help, patient listening and neighbours who show up.

Research on recovery after mass trauma points to five key ingredients: a sense of safety, calm, belief that you and your community can cope, connection, and hope.

🧤 Practical help matters mostA meal, a ride, a shop-vac, an afternoon of hauling.
Read more

Ways to help after a flood

  • Babysit while parents deal with insurance or repairs
  • Bring a hot meal or a cooler of drinks
  • Help with forms or phone calls
  • Lend tools, fans or a place to do laundry
  • Offer a spare room or a shower
Instead of “Let me know if you need anything,” try “I’m free Saturday. Can I help you clear the garage?”
👂 Listening wellBe present, and don’t rush them.
Read more

The National Center for PTSD suggests

  • Find a quiet time and place to talk
  • Just be with them, and let them know they’re not alone
  • Let them talk without interrupting, as much as you can
  • Offer to talk again any time
  • Show interest and care, without judgment
🚫 What not to sayPlaying down their loss can deepen the hurt.
Read more

The National Center for PTSD warns that when people play down a survivor’s problems or pain, it is strongly linked to longer-lasting distress.

Try not to say

  • “At least it was only stuff.”
  • “It could have been worse.”
  • “Why didn’t you leave sooner?”
  • “You should be over it by now.”
🏘️ Neighbours and faith communitiesShared meals, clean-up crews and memorials help everyone heal.
Read more

Social support is one of the strongest keys to recovery after disasters. Community gatherings, faith groups and clean-up days can offer safety, calm, connection and hope all at once.

Helping well matters. The “Psychological first aid: helping people after a crisis” guide explains how to support people in the first days.

When and where to get help

Signs it’s time for more support, and free places to turn.

SAMHSA advises reaching out if you or a family member are having trouble coping, or if signs of stress last more than 2 to 4 weeks.

Signs to take seriously

  • Drinking or using drugs more
  • Fear of crowds, strangers or being alone
  • Feeling hopeless, guilty or full of self-doubt
  • Not wanting to leave home
  • Trouble sleeping, concentrating or communicating
📞 Disaster Distress HelplineCall or text 1-800-985-5990. Free, 24/7.
Read more

SAMHSA’s Disaster Distress Helpline is for anyone in the U.S. and its territories feeling distress related to a disaster, including survivors, families, responders and clergy. You can reach out for yourself or someone else.

  • Call or text 1-800-985-5990
  • For Spanish, press 2
  • Interpreters in over 100 languages
  • Deaf and hard of hearing callers can use their preferred relay service
🆘 In crisis: 988Call or text 988 for the Suicide & Crisis Lifeline.
Read more

If you’re thinking about suicide or are in emotional crisis, call or text 988, or chat at 988lifeline.org. It’s free, confidential and open 24/7.

If you or someone else is in immediate danger, call 911.
🏛️ FEMA disaster assistanceDisasterAssistance.gov or 1-800-621-3362.
Read more

Apply for FEMA disaster assistance at DisasterAssistance.gov, or call the FEMA Helpline at 1-800-621-3362. It’s open 7 a.m. to 10 p.m. in your time zone, 7 days a week. Press 2 for Spanish, and 711 or Video Relay Service is available.

🏥 Counselling and careYour clinical provider, a counsellor or a faith leader.
Read more

SAMHSA suggests talking with a counsellor or mental health professional, or a trusted faith or spiritual leader. At work, an Employee Assistance Program may be able to help.

Please talk to your clinical provider or therapist about what’s right for you.

🌐 Outside the U.S.Find a free helpline in your country.
Read more

Find A Helpline (findahelpline.com) is a free global directory of support lines, which the International Association for Suicide Prevention points people to.

📝 Worksheets for this guide

Fill these in privately in the app. Your answers stay on your phone.

My plan for waiting out a stormFill this in on a calm day, so you know what to do when a storm is on the way.
My rebuild pacing planCleanup and repairs can take months. A plan helps you keep going without burning out.
My storm-season and anniversary planStorm season, heavy rain and anniversaries can bring feelings back. Plan ahead for gentler hard days.
How my child is doing after the stormNotice how your child is coping over the weeks after a flood or hurricane, and what helps.
🔒 Fill in privately in the Mentally United Wellness App. Free, no ads, no accounts.

Sources

  1. Ready.gov (U.S. Department of Homeland Security / FEMA). Floods
  2. Ready.gov (U.S. Department of Homeland Security / FEMA). Hurricanes
  3. Ready.gov (U.S. Department of Homeland Security / FEMA). Coping with Disaster
  4. National Weather Service (NOAA). Turn Around Don’t Drown
  5. Centers for Disease Control and Prevention (CDC). Natural Disasters and Severe Weather: Safety
  6. Centers for Disease Control and Prevention (CDC). Homeowner’s and Renter’s Guide to Mold Cleanup After Disasters
  7. Centers for Disease Control and Prevention (CDC) (2026). Disaster Distress Hotline
  8. BMC Public Health (peer-reviewed), via PubMed Central (NIH) (2017). The English national cohort study of flooding and health: cross-sectional analysis of mental health outcomes at year one (Waite et al., BMC Public Health 17:129)
  9. JAMA Network Open (peer-reviewed); summary by University of California, Irvine (2019). Media Coverage, Forecasted Posttraumatic Stress Symptoms, and Psychological Responses Before and After an Approaching Hurricane (Thompson, Holman & Silver, JAMA Network Open)
  10. JAMA Network Open (peer-reviewed); summary by University of California, Irvine (2022). Association between repeated exposure to hurricanes and mental health in a representative sample of Florida residents (Garfin et al., JAMA Network Open)
  11. Molecular Psychiatry (peer-reviewed), via Harvard Medical School (2008). Trends in mental illness and suicidality after Hurricane Katrina (Kessler et al., Molecular Psychiatry 13: 374–384)
  12. National Child Traumatic Stress Network (NCTSN). Parent Guidelines for Helping Children after a Hurricane
  13. Substance Abuse and Mental Health Services Administration (SAMHSA) (2023). Tips for Survivors of a Disaster or Traumatic Event: What to Expect in Your Personal, Family, Work, and Financial Life (PEP23-01-01-010)
  14. Substance Abuse and Mental Health Services Administration (SAMHSA). Disaster Memorial Dates and Activating Events
  15. Substance Abuse and Mental Health Services Administration (SAMHSA). Disaster Distress Helpline
  16. Substance Abuse and Mental Health Services Administration (SAMHSA). 988 Suicide & Crisis Lifeline
  17. 988 Suicide & Crisis Lifeline. 988 Suicide & Crisis Lifeline
  18. Federal Emergency Management Agency (FEMA). Contact Us
  19. U.S. Government (FEMA). DisasterAssistance.gov
  20. U.S. Department of Veterans Affairs, National Center for PTSD. Effects of Disaster Events: Resilience and Risk Factors
  21. U.S. Department of Veterans Affairs, National Center for PTSD. Tips for Providing Support to People Affected by Disaster Events
  22. Peer-reviewed research (PubMed, NIH) (2007). Five essential elements of immediate and mid-term mass trauma intervention: empirical evidence (Hobfoll et al., Psychiatry)
  23. Find A Helpline (ThroughLine). Find A Helpline
  24. International Association for Suicide Prevention (IASP). Crisis Centres & Helplines

This guide is for education and self-care. It is not a diagnosis or a substitute for professional care. Please talk to a counselor or clinical provider about your health. Reviewed October 2026.

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