Did You Know That a Standard Homeowner’s Policy Does Not Cover Flood Losses?
Property owners need to consult their local insurance agent or broker for details and qualification requirements, coverages, and cost. Don’t wait - there is a 30-day waiting period from date of purchase before coverage is effective.
Properties located within the corporate limits of the Town that are in a SFHA and have federally supported mortgages are required to be protected with flood insurance. Just because your property is not located within a designated SFHA does not mean that you are free of risk. More than 20% of all flood claims are for properties mapped outside of SFHA areas (FEMA). Owners located outside the SFHA and without federally backed mortgages are encouraged to still obtain insurance coverage.