Owners of microbusinesses, sole proprietors, and farmers spend many hours developing plans and attending training sessions to educate themselves on operating a business and what to do in the face of adversity.

A key component of their planning should include being prepared for a major weather event. As the seasons change, flooding becomes a concern in many parts of the country. The most common and costly natural disaster in the U.S., according to The Pew Charitable Trusts, flood-related disasters have accounted for more than $850 billion in damage and losses since 2000.

With that in mind, a go...