Your home insurance policy does not cover damage caused by flood waters. Last year, one-third of all claims paid by the national flood insurance program were for policies in low-risk communities. Reinforce your garage door and tracks with center supports. In high-risk areas like the Florida Keys, homes are more than twice as likely to be damaged by flood, as by fire. Before a storm you should purchase flood insurance. About eighty percent of residential hurricane wind damage starts with entry through garage doors according to the federal alliance for safe homes.