During a power failure, a votive candle contained in glass can provide bright, continuous light for many hours and even days. A flashlight may only work for a few hours. The flame on a votive candle is also safe from drafts and sudden blasts of wind. Votive candle are widely available in grocery stores.
If you live in a flood plain, the lender will require that you have flood insurance before lending any money to you. But if you live near a flood plain, you may choose whether or not to get flood insurance coverage for your home. Work with an insurance agent to construct a policy that fits your needs.