Flood Insurance

James River Flood 2009This page will have information on flood insurance.

Below are two fact sheets from the North Dakota Water Commission to help you start learning about Flood Insurance:



Preliminary flood hazard data (preliminary data) provide the public an early look at their home or community‘s projected risk to flood hazards. Preliminary data may include: new or revised Flood Insurance Rate Maps (FIRM), Flood Insurance Study (FIS) reports, and FIRM Databases. This tool makes nation-wide preliminary data available in a centralized and easily accessible location, along with FEMA‘s other flood hazard mapping products. For more information about preliminary data, go to FEMA‘s Preliminary Flood Hazard Data webpage.



You can only purchase flood insurance through an insurance agent or an insurer participating in the NFIP. You cannot buy it directly from the National Flood Insurance Program (NFIP). If your insurance agent does not sell flood insurance, you can contact the NFIP Referral Call Center at 1-800-427-4661 to request an agent referral.

Typically, there's a 30-day waiting period from date of purchase until your policy goes into effect. Here are the exceptions:

  • If a property is affected by flooding on burned federal land and the policy is purchased within 60 days of the fire-containment date, there may be no waiting period. Waiving of the waiting period is determined at the time of claim.

Build a Kit

If you’re already on “high ground” during a flood, stay where you are. Be prepared by having your supplies already stored. #FloodSafety

Gather the supplies you may need in case a flood leaves you without power, water or gas. Supply list:http://www.ready.gov/kit

Know Your Risk

Learn your flood risk by entering your address in the Flood Smart widget, http://msc.fema.gov/portal/search

flooded homes

Here is a fact sheet on how the NFIP works:  emergency programs vs. regular programs

Fact Sheet Emergency versus Regular Program2.pdf