Community Development Director
Your homeowners insurance does not include coverage for a flood. One of the best protection measures is a flood insurance policy under the National Flood Insurance Program, which can be purchased through any licensed property insurance agent.
If the building is located in a floodplain, flood insurance will be required by most federally backed mortgage lenders. Even if you are not in a mapped floodplain, you may be subject to flooding from local drainage. Ask an insurance agent how much a flood insurance policy would cost.
Don’t delay! There is a 30-day waiting period before a flood insurance policy takes effect. Learn the essentials to flood insurance, including what it covers, what it protects and who it protects at floodsmart.gov.