FEMA Flood Insurance Information

The National Flood Insurance Program is a federal program allowing property owners in participating communities to purchase insurance protection against losses from flooding. This insurance is designed to provide an insurance alternative to disaster assistance to meet the rising cost of repairing damage to buildings and their contents caused by floods.

Participation in the National Flood Insurance Program is based on an agreement between local communities and the federal government. The Federal Government will make flood insurance available within the community as a financial protection against flood losses in exchange for the local community adopting and enforcing a floodplain management ordinance to reduce future flood risks to new construction in Special Flood Hazard Areas. All of the Communities and Counties in Northern Nevada belong to the National Flood Insurance Program.

  • Typical homeowner's insurance policies do NOT cover flooding damage to your home and belongings.
  • Flood insurance is available to everyone, regardless of whether you live in a flood zone or not. Even if your home is not located in a flood zone, severe flooding can still occur in your area.
  • In most instances, flood insurance premiums are significantly lower for homes NOT located in a flood zone. According to FEMA, the average annual cost of flood insurance is between $200 and $600 for homes not in a flood zone.
  • It takes a minimum of 30 days for a flood insurance policy to take effect.
  • For a single-family home up to $250,000 coverage for the structure and up to $100,000 coverage for the contents is available. Policies covering damages to personal property are available to renters as well as homeowners.
  • The National Flood Insurance Program (NFIP) is backed and subsidized by the Federal Government. The actual flood insurance policies are available through most insurance companies. Call your local insurance agent for more information or call NFIP at 1-800-638-6620 or 1-888-CALL-FLOOD.
  • Some factors to consider when choosing to buy flood insurance:
    1. When was the home constructed?
    2. How does your yard slope?
    3. Do the streets surrounding your home have curbs and gutters?
    4. Is the home located near a drainage way or near a flood plain?
    5. Has the neighborhood experienced any previous flooding?
    6. Is the home located at the bottom of a hill or cul-de-sac?
    7. Does a block wall separate your home from a street that has experienced major flooding?
    8. Do you live near a flood zone or waterway that has been named?
  • Flood zone boundaries are determined by the Federal Emergency Management Agency (FEMA) in cooperation with the local communities. To find out if your home is located in a flood zone, call your local public works department, community development department ,or the state water resources division.

**Note that your insurance must be in effect at least 30 days prior to a flood.

All information provided by the Truckee Meadows Flood Awareness on its Web pages and Internet sites is made available to provide immediate access for the convenience of interested persons. While Truckee Meadows Flood Awareness believes the information to be reliable, there may be a human or mechanical error. Therefore, Truckee Meadows Flood Awareness does not guarantee the accuracy, completeness, timeliness, or correct sequencing of the information. Neither the Truckee Meadows Flood Awareness nor any of its sources of the information shall be responsible for any errors or omissions or for the use or results obtained from the use of this nformation. Other specific cautionary notices may be included on other information available from the Truckee Meadows Flood Awareness on the internet.