Since standard homeowners insurance doesn’t cover flooding, it’s important to have protection from the floods associated with snow melt, heavy rains and other conditions that could impact your area.
In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves. The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP. Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding.
Find out more about the NFIP and how it can help you protect yourself. http://www.floodsmart.gov/floodsmart/