The department recently learned that its status within the
Structures outside that 100-year floodplain can get a 10 percent reduction in flood insurance premiums, department spokeswoman
Since average annual premiums in the floodplain can be about
Average annual premiums outside the floodplain can run about
The department in recent years has done flood control improvements around
As a result, Givens said, the number of structures within
People can find out whether they are in
While torrential rains and flooding are not uncommon in
Flood damage is excluded under standard homeowners and renters insurance policies, but is available from the National Flood Insurance Program and from a few private insurers. Many claims nationally are paid out to policy holders in moderate- to low-risk flood zones.
Standard policies cover burst pipes, wind driven rain and ice dams on a roof but not rising floodwaters in a home. Some homeowner policies cover sewer and drain backups but many do not.
A separate flood policy, according to the Institute, provides coverage for up to
According to an
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