When Life Happens: Building a Family Emergency Plan that Actually Works

Emergencies don’t wait for a convenient moment—and when they strike, the last thing you want is to feel unprepared.

Whether it's a hurricane, wildfire, winter storm, or unexpected power outage, having a solid family emergency plan in place can make all the difference between chaos and calm. Yet surprisingly, only 39% of Americans have developed an emergency plan for their household, according to a FEMA survey. That means millions of families are left scrambling when a disaster strikes.

Here’s how to build a plan that actually works, without getting overwhelmed.

1. Pack Two Go-Bags: One for Home, One for the Car

Your go-bag should include the essentials:

• Non-perishable food and water (3-day supply minimum)
• First-aid kit, flashlights, extra batteries
• Copies of vital documents (ID, insurance, prescriptions)
• Portable phone charger, cash, and hygiene supplies

Keep one go-bag near your home’s main exit, and one in the trunk of your car in case you’re on the road when disaster hits. Each bag should contain enough supplies for each member of your family.

2. Prepare for the Disasters that May Affect You

Not all emergencies look the same, so it’s wise to plan for what is more likely to happen in your area.

• Hurricane & flood kits: Include waterproof containers, rain gear, and pet supplies.
• Winter storms: Add blankets, hand warmers, and rock salt.
• Power outages: Have a battery-operated radio, solar lights, and backup power for medical devices.

The CDC notes that 60% of adults don’t have supplies set aside in case of a disaster, which can quickly turn dangerous during prolonged outages or evacuations. Tax holidays have become more popular in states where natural disasters occur. Coupled with sales, these are great times to stock up on emergency supplies.

3. Create an Escape Plan—And Practice It

Sketch a map of your home showing at least two ways out of every room. Make sure everyone in your family, even children, knows how to safely exit and where to meet outside. This meeting spot should be a safe distance from the home, like a neighbor’s mailbox or a nearby park.

If you live in a high-risk area (like hurricane zones, floodplains, or wildfire-prone regions), map out multiple evacuation routes in advance. Know where shelters or high-ground areas are located, and keep your vehicle fueled.

Final Thought

Emergency plans aren’t just for “what if” scenarios; they provide peace of mind for you and your family today. Take a weekend to prep. Practice with your family. Because when life happens, being ready is the best plan you can have.