Flood Insurance

Any walled and roofed building in an NFIP participating community is eligible, whether or not the building is located in a floodplain. Manufactured homes installed on a permanent site and anchored also can be insured.

Any licensed property casualty insurance agent or broker can sell the Standard Flood Insurance Policy.

There is a 30-day waiting period after a policy is purchased before coverage goes into effect. However, if a new or renewal policy is required by a lender as a condition for obtaining a mortgage, then the coverage takes effect at closing.

Two types of coverage are available:

Building coverage on walls, floors, insulation, furnace, and items permanently attached to the structure, except where excluded;
Contents coverage for such items as furniture, appliances, and other household goods except where excluded. This coverage must be purchased separately from building coverage.

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