Homeowners' insurance policies do not cover damage from floods. However, because Jefferson County participates in the National Flood Insurance Program (NFIP), you can purchase a separate flood insurance policy. This insurance is backed by the Federal government and is available to everyone, even for properties that have been flooded. Some people have purchased flood insurance because it was required by the bank when they got a mortgage or home improvement loan. Usually these policies just cover the building's structure and not the contents.
Acquiring Flood Insurance
Don't wait for the next flood to buy insurance protection. There is a 30-day waiting period before National Flood Insurance Program coverage takes effect. Contact your insurance agent for more information on rates and coverage or visit this NFIP-sponsored website. To find out what your flood "zone" is, type in your address in the fields at this website, or seek assistance through DCD's Customer Assistance Service.