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Emergencies Happen: Are You Prepared? Author's Picture

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FirstCapital Bank of Texas

Emergencies Happen: Are You Prepared?

Natural disasters. Disease outbreaks. Man-made emergencies. While there’s no way to expect the unexpected, you can take proactive steps to prepare for it. FirstCapital Bank of Texas cares about our neighbors and wants to help keep you as safe—and prepared—as possible.

  • Get Your Financials in Order

Emergencies, natural disasters, and other times of crisis can be expensive and complicated, so make sure you’re covered ahead of time.

  • Purchase or manage your homeowner’s or renter’s insurance and, especially if you live near a body of water, supplement it with flood insurance as soon as possible to get the waiting period out of the way.
  • Save digital versions of your important paperwork in case they’re damaged. Reference FEMA’s Emergency Financial First Aid Kit for an idea of what documents you need.
  • Open an emergency savings account that’s separate from your personal savings account and make it a priority to make regular deposits, even if it’s a small amount.
  • Enroll in bill pay so you don’t have to worry about remembering to pay your bills during a chaotic time.
  • In the event ATMs, credit card readers, and other banking services are unavailable (if your area loses power, for example), you should have emergency cash available, in secure, waterproof
  • Have a Plan in Place

It’s easy to get overwhelmed during an emergency, making it difficult to understand what to do. That’s why it’s critical you and your family have an emergency preparedness plan.

  • Get your plan ready and discuss it with other household members in advance. Reference FEMA’s Family Emergency Communication Plan, Pet Owners Fact Sheet, and Commuter Emergency Plan to get started.
    • Prepare and practice home fire drills at least twice a year, especially if you have young children in your home who may not understand the danger.
    • Prepare your pets for evacuation, including using crates for cats and small dogs.
    • Create a group chat with your friends, family, and neighbors that is only used during an emergency to keep in contact.
    • Download FEMA’s weather alert app for the most reliable information.
    • If you or anyone in your home rely on lifesaving electrical medical equipment, alert your power company to be placed on a priority reconnection list.
    • Learn how to turn off potentially dangerous utilities in your home, like natural gas.
    • Stock at least 72 hours of food, water, and medication for your household.
  • Get Your Kids Ready

The only thing scarier than being in an emergency situation is being a parent in an emergency situation. It’s vital that you prepare your children as thoroughly as possible for their safety and your peace of mind.

  • Teach your kids how to communicate during an emergency, like texting another adult if you’re unavailable and how to call 911 and other emergency numbers.
  • Keep their school records updated and ask about the school’s emergency preparedness plans.
  • Create a “comfort kit” that includes stuffed animals, music, books, games, and other items to soothe and entertain them.
  • Make disaster preparedness fun with the “Build a Kit” game.
  • Join Your Community

One of the best resources during an emergency is your community. Understand and take advantage of your community’s emergency preparedness options.

  • Learn about hazards unique to your community based on geography and population.
  • Join a community disaster volunteer service. Find out which ones are active in your community and encourage older kids to join Teen CERT.
  • Take lifesaving skill courses, like adult and child CPR and first aid, which are often offered by your public library.

FirstCapital Bank of Texas is here with the products, services, and community outreach you need to prepare for the unexpected—and for the everyday. Learn more about our savings accounts, conveniences that make managing your finances easier, and all the other ways we put you—and our community—above all.