This comprehensive guide explains National Flood Insurance Program coverage limitations and Congressional lapse periods that create protection gaps for homeowners. Learn how DIY physical flood barriers complement insurance, providing affordable protection you control when government uncertainty leaves you exposed to flooding risks.

This comprehensive guide helps seasonal homeowners, snowbirds, and property owners protect empty homes from flood damage during extended absences. Learn practical strategies for sealing vulnerable entry points, understanding flood risks for vacant properties, and implementing pre-departure protection measures that work when you can't be present during storms.