Having an emergency supply kit could make the difference in getting through a hurricane with ease or suffering major losses.

First, start thinking about an evacuation plan. Have a to-go bag with supplies like a first aid kit, flashlight, a battery-powered weather radio, extra chargers for your electronic devices, non-perishable food, and at least one gallon of water per person per day. Don’t forget about your pets and their needs as well.

Secondly, check in with your insurance agency. Standard homeowners insurance does not cover flooding. Whether you’re a homeowner or renter, you’ll need a separate policy for it.

John Wendel, Senior Communications Specialist for Charlotte-Mecklenburg Storm Water Services says don’t wait until the last minute.

“But be aware that most of the time, there’s a 30 day waiting period from when you purchase that flood insurance to when it becomes active,” Wendel said.