Flood insurance

Flood Insurance, Floodplain Management Program, NH Office of Strategic Initiatives

Everyone lives in a flood zone, whether you live in a low-, moderate- or high-risk flood area. You do not need to live near water to be flooded. Floods are caused by storms, melting snow, hurricanes, water backup due to inadequate or overloaded drainage systems, as well as broken water mains. You can protect your home, business, and belongings with flood insurance from the NFIP. Flood insurance is necessary because homeowners insurance does not cover flood losses. Anyone who applies for a federally-funded mortgage/loan or refinancing on an existing home in flood-prone areas will be required to carry flood insurance for the life of the mortgage/loan. All residents in NFIP participating...

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Flood Insurance Information, City of Palm Springs

(Updated AUGUST 2018) Even if you are not in a FEMA Flood Zone, you can still buy flood insurance. Please note 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. You can also contact the State Consumer Affairs office regarding flood insurance company reviews . Not sure if your potential/existing home is in a FEMA Flood Zone? You can check below under the home address. ARE YOU AWARE OF THE FLOODING HAZARD IN OUR CITY? While dry and arid for most of the year, the City of Palm Springs is especially prone to flooding due to its proximity to the adjacent mountains....

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Q A about Flood Insurance in NYS - NYS Dept. of Environmental Conservation

Q&A about Flood Insurance in NYS Introduction Floods occur when runoff from rain or snowmelt exceeds the capacity of rivers, stream channels or lakes and overflows onto adjacent land. Floods can also be caused by storm surges and waves that inundate areas along tidal or Great Lakes coastlines. Throughout history, floods have claimed uncounted human lives and devastated property, even destroying cities. Yet people continue to settle and build in floodplains, increasing the risk of property damage and loss of life. What is a floodplain? Floodplains are low-lying lands next to rivers and streams. When left in a natural state, floodplain systems store and dissipate floods without adverse...

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The cost of flood insurance is a price worth paying, Grist

Almost 75 percent of declared disasters in the United States are flood-related, and flood risk continues to rise due to development in floodplains and a changing climate. The beleaguered National Flood Insurance Program (NFIP), which was due to expire on July 31 but just got a four-month extension from Congress, can help lessen some of that risk and serve as a lifeline for survivors. However, in reauthorizing the program, Congress did not fix its many problems. The need to make the NFIP more effective is urgent. And as America’s flood risk grows, we will be even more reliant on it. The NFIP was created 50 years ago after losses mounted from disasters such as 1965’s Hurricane Betsy. In...

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Flood Insurance - HUD Exchange

Introduction The Flood Disaster Protection Act of 1973 (42 U.S.C. 4012a) requires that projects receiving federal assistance and located in an area identified by the Federal Emergency Management Agency (FEMA) as being within a Special Flood Hazard Areas (SFHA) be covered by flood insurance under the National Flood Insurance Program (NFIP). In order to be able to purchase flood insurance, the community must be participating in the NFIP. If the community is not participating in the NFIP, federal assistance cannot be used in those areas. HUD Guidance Does this project involve mortgage insurance, refinance, acquisition, repairs, rehabilitation, or construction of a structure, mobile home, or...

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4 Community-Based Flood Insurance: Issues and Considerations, A Community-Based Flood Insurance Option, The National Academies Press

Community-Based Flood Insurance: Issues and Considerations This report identified and described some of the major problems facing the National Flood Insurance Program (NFIP). These problems include the pricing of flood insurance premiums, takeup rates, efforts to support floodplain management, and socioeconomic factors. In theory at least, a community-based flood insurance (CBFI) option may have the potential to help solve some of these problems. For example, if a community purchased insurance for all dwellings within it, then the takeup problem would be solved. Concerns exist about flood insurance purchases by individuals. For example, community members, perhaps motivated by altruistic...

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National Flood Insurance Is Underwater Because of Outdated Science - Scientific American

The aftermath of two back-to-back nor'easters In Massachusetts. Credit: Getty Images Editor’s Note: On July 31, the Senate approved a bill temporarily reauthorizing the National Flood Insurance Program until November 30, 2018. The National Flood Insurance Program, which covers some 5.2 million property holders in the U.S., was slated to get a badly needed overhaul today. The Senate’s task—which includes hammering out reforms that address the changing math of flood risk—has already been pushed back three times since November. Yet lawmakers still have not compromised on how to fix a broken system, so a reauthorization of the NFIP will almost certainly be punted again...

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Background on: Flood insurance, III

Background on: Flood insurance The topic Flooding is the most common and costly natural disaster in the United States, causing billions in economic losses each year. Most U.S. natural disasters declared by the president involve flooding. There is no coverage for flooding in standard homeowners or renters policies or in most commercial property insurance policies. Coverage is available in a separate policy from the National Flood Insurance Program (NFIP) and from a few private insurers. Despite efforts to publicize this, many people exposed to the risk of floods still fail to purchase flood insurance. The widespread flooding associated with Hurricane Katrina in 2005, the Mississippi floods...

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