The County will also notify the local news stations about emergency evacuations, so tune in for updates. Now that you know which zone you are in (A through E), the County may order either a recommended or mandatory evacuation. The map is searchable by address and provides real-time evacuation orders. Visit the Evacuation Zone Map to find out what zone you are in. Where can I find an Elevation Certificate on my structure? Other residential and commercial property owners can also obtain flood insurance.įor more information about the National Flood Insurance Program and flood insurance, call (800) 427-4661 or contact your insurance company or agent. The National Flood Insurance Program provides up to $250,000 coverage for single-family residential buildings and up to $100,000 coverage for contents. It’s wise to insure primary residences and businesses in sufficient amounts to fully protect the building and its contents. While the law requires coverage only for the loan balance, you should consider protecting your equity. It also requires flood insurance to be maintained for the life of the loan. Do I need flood insurance in Zones X or X (500)?įor federally-secured financing in a Special Flood Hazard Area, the law requires flood insurance in an amount equal to the outstanding principal balance of the loan, the value of the building or the maximum coverage available, whichever is less. Contact a local insurance agent or lender for details. Visit or call toll-free at (888) 379-9531, for information on policy rates and coverage. There is a 30-day waiting period before coverage goes into effect, so don’t delay. If it is, the lender must require flood insurance on FHA loans, VA loans, second mortgages, home equity loans, home improvement loans, construction loans, commercial loans and farm credit loans. Lending institutions that are federally regulated or insured must determine if the building is in a Special Flood Hazard Area. You must have flood insurance to get federally-secured financing to buy, construct or improve a building in a high-risk area known as a Special Flood Hazard Area (Zones V, VE, A or AE), where more than 75% of all flood claims are paid. Most homeowners insurance policies do not cover losses due to flooding.įlood insurance is mandatory for federally-backed mortgages.
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