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Flood Insurance

Your homeowner or renter's insurance policy may not cover losses caused by flooding

If your home has plumbing fixtures or floor drains below street level, your basement could flood. Water damage from heavy rain storms, snow melt or sewer backups are most often not covered by the homeowner's policy, but it may be covered by flood insurance. Even if you do not live in a Federal Emergency Management Agency (FEMA) designated flood zone, it might be wise to get flood insurance. Approximately 25% of flood-related claims are for homes outside of a FEMA designated flood zone.

If you feel your home may be susceptible to flooding, consider obtaining flood insurance before you think you may need it. Policies typically require a 30-day waiting period before becoming effective. Snowmelt flooding, heavy rainfall and flash flooding can occur with little warning. Contact your insurance agent for additional information. Additionally, the risk level of a particular area can change over time. New construction development and environmental changes can alter the impact of flood waters in your area.

If your home is in a flood zone (also known as a flood plain), your mortgage lender will require flood insurance. Flood zones are mapped by the FEMA. To find a map of flood zones, go to the FEMA website.

National Flood Insurance Program

The City of Minneapolis participates in the National Flood Insurance Program(NFIP), which means that all residents are eligible to purchase flood insurance from the Federal Government.

Cost of Flood Insurance

You can buy flood insurance through most insurance companies. The annual cost for flood coverage can vary, depending on what FEMA designated flood zone you live in. Coverage for household contents is separate, so renters can also purchase flood insurance.

Federal Disaster Areas

A Federal Disaster Area is an area declared by the President of the United States to be eligible for federal assistance under the Disaster Relief and Emergency Assistance Act.  Generally, you should be aware that:

Resources

Disclaimer: The information on this page is merely a summary of flood insurance information. For more information, contact your insurance agent.

Last updated Jan 24, 2017

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