Flood risk is manageable. Start here.
Whether you want to understand your risk, protect your home, navigate insurance, find funding, or recover from a flood — everything you need is free, in one place, and built for homeowners.
individual homeowners
stage of flood resilience
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flood risk report
Your flood resilience journey — six steps, all connected
Flood resilience isn’t a single action — it’s a progression. Start wherever you are. Each section builds on the last, and your risk assessment links everything together with recommendations specific to your property.
Learn
Understand your risk, flood types, and why it’s increasing
Prevent
DIY to major projects — what to do and in what order
Insurance
NFIP, private, and options when you’ve been denied
Funding
Grants and programmes that pay for your improvements
Recover
After a flood — steps, documentation, and financial help
Tools
Your personalised risk assessment and improvement tracker
Start from where you are
Not sure where to begin? Choose the scenario that best matches your current situation and we’ll point you to the most relevant starting point.
I’m new to this — I want to understand my risk
You haven’t thought much about flood risk before. You want to understand whether you’re at risk, what it means, and what — if anything — you should do about it.
I know I’m at risk — I want to protect my home
You’re already aware of your flood risk. You want practical guidance on what to do — which prevention measures matter most, what they cost, and where to start.
My home has flooded — I need help right now
You’ve experienced a flood event and need immediate guidance on safety, documentation, insurance claims, and accessing FEMA assistance as quickly as possible.
Six sections — everything a homeowner needs
Each section is written for general audiences, grounded in current data, and reviewed by flood risk professionals. Start anywhere — or run your risk assessment and let Oiriunu tell you where to focus.
Flood Basics
What causes flooding, the types that affect your home, why risk is increasing, and how to read your risk level — including what FEMA maps don’t show.
Flood Prevention
Eight proven measures from DIY downspout fixes to home elevation — ranked by cost and impact. Every measure includes cost range, impact level, and insurance benefit.
Flood Insurance Guide
Your homeowner’s policy doesn’t cover floods. This section explains NFIP, private flood insurance, what’s covered, and what to do if you’ve been denied or cancelled.
Grants and Funding
Federal and state grants that help pay for flood mitigation — most homeowners never know they exist. Includes FEMA BRIC, FMA, state programmes, and a step-by-step application guide.
After a Flood
The actions you take in the first 72 hours after a flood directly impact your claim outcome and recovery speed. Hour-by-hour guide, insurance documentation, FEMA registration, and SBA loans.
Your Risk Assessment
Enter your address and get a personalised flood risk report — risk score, key vulnerabilities, ranked prevention actions, and the funding programmes most relevant to your property. Free, 2 minutes.
Four things every homeowner can do this weekend
You don’t need to wait for a risk assessment or a grant approval to meaningfully reduce your flood risk. These four measures are cheap, fast, and collectively address the most common sources of residential flooding.
Extend your downspouts
Most homes discharge roof water directly at the foundation. A $20 extension redirects it 6+ feet away — preventing the most common cause of basement water intrusion.
Check your sump pump
Pour a bucket of water in the pit and confirm it activates. Test the battery backup if you have one. A failed sump pump during a storm is avoidable — and expensive.
Know your flood zone
Run the free risk assessment at oiriunu.org or check FEMA’s flood map tool. 40% of flood claims come from outside designated flood zones — many homeowners are surprised.
Check your insurance
Pull out your homeowner’s policy and confirm whether flood is covered. (It almost certainly isn’t.) If you’re in a flood zone, note that flood insurance has a 30-day waiting period.
Used by homeowners across flood-prone regions
Real outcomes from homeowners who used Oiriunu to understand their risk and take action — before and after flood events.
“I had no idea I was in a flood zone. The risk assessment flagged it in two minutes. We installed a sump backup and applied for an FMA grant within a month.”
“The prevention guide gave us a priority list. We did the DIY fixes first — $200 total — and saw immediate improvement. Now working on the drainage project with a grant.”
“Our private carrier cancelled us. Oiriunu walked us through the requalification pathway — we implemented three improvements and were accepted by a new carrier three months later.”
Your personalised flood risk report takes 2 minutes
Enter your address and we’ll generate a risk score, identify your specific vulnerabilities, rank prevention actions, and surface the funding programmes you may qualify for.
No account required. No email. Nothing to install.