Buy Flood Insurance

Flood Insurance Offers Financial Protection

Buy flood insurance to protect your structure and/or belongings from financial loss. The City participates in the National Flood Insurance Program, which means that anyone can purchase federally backed flood insurance. It doesn't matter if you live in a high or low-to-moderate risk flood zone. With 25% of claims coming from low-to-moderate risk flood hazard areas, this is good news.

There are some important things to point out about the NFIP's flood insurance. For more detailed information, please contact your insurance agent or the City's floodplain management staff.

Coverage Types

There are two kinds: Structural & Contents. Review FEMA's Summary of Coverage for more information

Increased Cost of Compliance (ICC)

All policies include up to $30K to bring damaged buildings into compliance with current standards.

30-Day Waiting Period

Most policies have a mandatory 30-day waiting period before purchased policies take effect. Remember to buy your policy before the rainy season to ensure you have coverage.

Mandatory Purchase Requirement

Insurable structures in the high risk floodplain that have federally affiliated financing from commercial lending groups are required to purchase flood insurance. The amount of purchase must be for structural coverage in the amount of the loan of maximum coverage limit ($250K for single family residences.