Flood Insurance

Is My Home or Business At Risk?

• The best way to know if your home or business is at risk for flooding this spring is by logging on to The National Flood Insurance Program.
• By inputting your address into the Flood Risk Profile, you can find out if your property is in a low, moderate, or high risk flood area. The Flood Risk Profile will also estimate your annual premium cost and suggest local insurance agents serving your area.

What Should I Do Next?

• If you already have flood insurance for your home or business, contact your insurance agent to discuss your policy and ensure you are prepared for any possible flooding.
• Then, take a photo inventory of your building and its contents to properly document your assets. This will save you time and headaches after a flood. You can find out more about home inventory checklists on the Department of Commerce website.
• If you do not have flood insurance, use the Flood Risk Profile to determine the threat of flooding in your area and identify local insurance agents who can help you purchase flood coverage.

When Should I Start Preparing?

• It is important to act now, and take easy, affordable, preventive measures to avoid devastating losses in the upcoming flood season. Flood coverage doesn’t become active until 30 days after your premium is paid in full.
• It may be better to pay a few hundred dollars for an affordable flood policy now than pay hundreds of thousands of dollars in damages after it is too late.
• Remember, even if your property has never flooded before, 25 percent of all flood insurance claims are in areas where residents and business owners never expected a flood to occur.

Who Do I Contact With Questions?

• Please call our consumer helpline with any questions you have regarding flood insurance at (651) 539-1600.