Every September, National Preparedness Month encourages individuals and families to prepare for emergencies before they happen. Sponsored by FEMA, the campaign focuses on practical steps such as understanding local risks, creating an emergency plan, and building an emergency supply kit.
For Maryland residents, preparedness means thinking beyond basic emergency supplies. Whether it’s coastal flooding along the Chesapeake Bay, hurricanes and tropical storms, severe thunderstorms, winter weather, power outages, or even cyberattacks, being prepared also means protecting your finances, legal documents, and long-term plans.
Preparedness in Maryland Goes Beyond Severe Weather
Marylanders face a variety of potential emergencies throughout the year, including:
- Hurricanes and tropical storms
- Coastal and inland flooding
- Severe thunderstorms and tornadoes
- Winter storms and ice events
- Extended power outages
- Public health emergencies
- Cyberattacks and data breaches
- House fires and other unexpected disruptions
While no one can predict exactly when an emergency will occur, taking steps now can make recovery much easier later.
Five Questions to Ask Yourself
FEMA recommends having a plan, assembling emergency supplies, and understanding the risks in your area. In addition to those basics, ask yourself these five questions to evaluate your financial and estate planning preparedness.
- Do You Protect Your important Documents?
Store financial records, property deeds, insurance policies, wills, trusts, powers of attorney, and healthcare directives in a secure location and protect them from fire, flooding, and theft. Digital backups provide an added layer of protection.
- Is Your Estate Plan Up to Date?
Major life changes can quickly make an estate plan outdated. Make sure your wills, trusts, powers of attorney, and advance directives reflect your current wishes and circumstances so loved ones can act confidently if needed.
- Does Someone Know Where to Find Your Documents?
Even the most thorough plan is ineffective if no one can access it. Ensure trusted family members, fiduciaries, and decision-makers know where important documents are stored and how to retrieve them during an emergency.
- Does Your Insurance Coverage Match Maryland’s Risks?
Many homeowners are surprised to learn that standard policies do not cover every type of disaster. Review your coverage regularly and pay special attention to flood risks, rebuilding costs, and policy exclusions that may affect your area.
- Have You Considered Additional Protection?
Policy riders and endorsements can help fill important coverage gaps. Depending on your situation, additional protection for flood damage, water backup, valuable personal property, home offices, or business equipment may be worth exploring.
Preparation Is Within Your Control
Emergencies are unpredictable, but preparation is not. Taking time now to review your documents, insurance coverage, and estate plan can help protect both your family and your financial future.
If you answered “no” to any of these questions, now may be the right time to revisit your plans. An experienced Maryland estate planning attorney can help ensure your wishes are clearly documented and your loved ones are prepared when the unexpected happens.
Final Thought
Whether it’s a hurricane on the Eastern Shore, flooding in Central Maryland, or a winter storm in Baltimore County, emergencies can happen with little warning. A little preparation today can provide valuable peace of mind and protection for tomorrow.
