The only way to ensure your property from rising water is to purchase a flood insurance policy separate from your homeowner's insurance. It is important to note that a normal homeowner's insurance policy does not provide coverage for damage to property resulting from rising water or flooding. A separate flood insurance policy is necessary to be protected. Even if your property is not within the 100-year floodplain, it is still a wise choice to purchase a flood insurance policy because, on average, 40% of all claims paid on flood insurance policies are for properties outside of the 100-year floodplain. Also, if you are considering purchasing a flood insurance policy, it should be done before you would expect to need it, as there is a 30-day waiting period after the purchase before the policy becomes effective.
Residents now qualify to receive a 5 to 10% reduction in flood insurance premiums due to a Class 8 rating. For information about obtaining Flood Insurance visit the Floodsmart.gov website.
The City keeps a copy of floodplain literature and maps for viewing at the Library, or you can stop by the City's Engineering Department located at 265 Parkway Boulevard. The Engineering Department can also provide suggestions on how you can protect your property from flooding.