Insure your Property for your Flood Hazard

Insure your Property for your Flood Hazard

If you do not have flood insurance, talk to your insurance agent. Most homeowners’ insurance policies do not cover damage from floods. Flood insurance is only available to those participating communities in the National Flood Insurance Program (NFIP). Because of our floodplain management programs that attempt to protect us from the multiple flooding hazards, Story County participates in the NFIP, and thus, residents are able to obtain flood insurance.

Be sure to check your policy to ensure you have adequate coverage. Usually these policies cover the building structure, but not the contents. Contents coverage can also be obtained by asking. There is a 30-day waiting period before insurance coverage becomes effective. Plan ahead; do not wait until a flood is predicted before purchasing flood insurance.

If you are building inside the floodplain, the purchase of flood insurance is mandatory if using a federally regulated/insured bank for a loan. Story County is in the process of applying to the NFIP Community Ratings System (CRS) program. County participation in this program may allow residents with flood insurance to receive a discount on their premiums. Please contact us at 515-382-7251 or email the Floodplain Manager with any questions or concerns.

Resources and Publications

Flood Insurance Purchase Requirement (PDF)
After the Flood Fact Sheet (PDF) (FEMA-developed)
Managing your Flood Insurance Claim (PDF) (FEMA-developed)
Appealing your Flood Insurance Claim (PDF) (FEMA-developed)
Contents Coverage (PDF) (FEMA-developed)
NFIP Summary of Coverage (PDF) (FEMA-developed)
NFIP Flood Insurance Claims Handbook (PDF) (FEMA-developed)

You can find more information on the FloodSmart website, the official site of the National Flood Insurance Program.