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City of Madison, Wisconsin

Flooding

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  1. City of Madison
  2. Flooding
  3. Resources
  4. Understanding Flood Insurance

Understanding Flood Insurance

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.

Resources

  • Prepare Your Home: General Flooding
  • Prepare Your Home: Lake Level Flooding
  • Groundwater Information
  • Prevent Basement Flooding
  • Understanding Flood Insurance
  • FEMA General Information
  • Dealing with a Sanitary Sewer Backup
  • Free Legal Assistance

Report Flooding

Contact Information

City-County Building
210 Martin Luther King Jr. Blvd
Madison, WI 53703

  • engineering@cityofmadison.com
  • 608-266-4751

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City of Madison, WI

City-County Building
210 Martin Luther King Jr. Blvd
Madison, WI 53703
  • engineering@cityofmadison.com
  • 608-266-4751
  • WI Relay Service

Flood Preparation

  • Report Flooding
  • Prepare Your Home
  • Flood Insurance
  • Current Conditions

Sandbags

  • Sand & Sandbag Locations
  • How to Fill & Place Sandbags
  • Sandbag Disposal

Get Flooding Updates

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