KANSAS CITY — The Federal Emergency Management Agency said one of the most important ways you can prepare for flooding is to buy flood insurance for your home. FEMA said you have to specifically buy flood insurance – most policies don’t offer it. FEMA said flood insurance is affordable. The average flood insurance policy costs approximately $400 a year and provides about $100,000 worth of coverage. Contact your insurance agent or the National Flood Insurance Program to find out more about staying “Flood Smart.” Find the National Flood Insurance Program on the web at floodsmart.gov or call toll-free 1-800-427-4661. This week is Flood Awareness Week