Who has to buy flood insurance?

Please review the following explanations regarding flood insurance requirements:

  • If you do not have a mortgage and do not live in the flood plain, you are not affected and will not be required to buy flood insurance
  • If you do have a mortgage but do not live in the flood plain, you are not required to purchase flood insurance
  • If you do not have mortgage but do live in the flood plain, you are not directly affected. However, you may want to consider buying flood insurance, but you are not required to. If you provide Federal Emergency Management Agency (FEMA) an Elevation Certificate and the technical data that can prove that the water will never reach your structure, you may get out of having your structure in a flood plain
  • If you do have a mortgage (or line of credit based on the home) and do live in the flood plain, you are affected and will no doubt be required to buy flood insurance. If flood waters barely touch your property, the whole property is declared to be in the flood plain. If you provide FEMA an Elevation Certificate and the technical data that can prove the water will never reach your structure, you may possibly get re-rated a lower flood insurance quote

Show All Answers

1. How do I report a pothole/street light outage/sidewalk crack?
2. How do I reserve a City Hall Conference Room?
3. Do you approve concrete, asphalt and mortar mix designs?
4. There is water coming out of my roadway, what do I do?
5. Who has to buy flood insurance?
6. How do I know if I am in the flood zone?