INSURANCE IS A HIGHER GROUND DURING RISING WATERS
The National Flood Insurance Program (NFIO) and private flood insurance programs provide coverage to reduce the impact of flooding on private and public structures. These efforts help mitigate the effects of flooding on new and improved structures.
Flood is defined as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is the policyholder’s property) from:
- the overflow of inland or tidal waters; or
- unusual and rapid accumulation or runoff of surface waters from any source; or
- mudflow; or
- collapse or subsidence of land along the shore of a lake or a similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above.
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