Flooding

Homeowners can purchase flood insurance that will cover many types of flooding even if they are not in a Federal Emergency Management Agency (FEMA) floodplain.

Types of Flood Insurance

• FEMA floodplain insurance (National Flood Insurance Program, NFIP)
• Private insurance
• Sump pump insurance
• Sanitary back up insurance
• Sanitary Sewer Service Line Coverage Options
• Covers the pipe connecting home to sanitary sewer. This is done by private firms and protects homeowners if their pipe fails. *This does not cover flooding, but covers the fixing the pipe that could fail to cause sanitary sewer flooding.

Do your Homework before calling Insurance Agents

• Read FEMA Flood Smart Document
• Learn about your home. These factors impact what type of insurance is correct for you:
  • Sump pump
  • Walk out basement
  • Finished basement
  • Neighbors with groundwater seepage
  • Floodplain
  • History of flooding
• Talk with multiple private insurance companies. Some are better versed on flood insurance than others.