![]() ![]() While you aren't federally required to have flood insurance in a low-to-moderate risk area that does not mean that you won't ever need it. A Preferred Risk Policy covers both a home and its contents, with premiums as low as $119 per year. Outside of high-risk areas, flood insurance is also available, usually at lower cost. Most mortgage lenders will require that you have such a policy before they will approve your loan. If you live in a high-risk area, you will need a Standard Policy. Different types of policies are available depending on your flood risk. Your property's flood risk is shown on flood hazard maps. To be considered a flood, the waters must cover at least two acres or affect at least two properties.įlood insurance is available both within and outside of floodplains. ![]() The coverage applies whether the flooding results from heavy or prolonged rains, coastal storm surge, blocked storm drainage systems, or other causes. Flood insurance protects against losses to buildings and their contents, not the land surrounding them. Most homeowners insurance does not cover floods.įlood insurance is "single peril" insurance, sold separately from homeowners insurance. Even a few inches of water can bring thousands of dollars in repair and restoration costs. Tom Fellows Community Center Ongoing Programsįlood Insurance is available in Polk County through the National Flood Insurance Program and can help you recover from a disaster!įlood Insurance can help you recover from a disaster!įlood insurance protects you from the financial devastation caused by floods.Proclamation for Lieutenant Walter Henderson.Police Department Employee of the Quarter.History of Davenport Town Council/City Commission Members. ![]()
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