To buy a flood insurance policy, contact your insurance agent. If your agent does not write flood insurance or you don't have an agent, you can call NFIP's toll free number to obtain the name of an agent in your area who does write flood insurance. The number is 1-888-CALL FLOOD, ext. 445.

Visit the National Flood Insurance Website, www.fema.gov/nfip/ or contact your insurance agent. You may also click here for more information within this website about flood insurance.

Flood insurance is available to all owners of insurable property in a community participating in the National Flood Insurance Program. Owners and renters may insure their personal property against flood loss. Builders of buildings in the course of construction, condominium associations, and owners of residential condominium units in participating communities all may purchase flood insurance.

No. Most properties are eligible for flood coverage. It is not a requirement that you live in a flood zone in order to purchase flood insurance.

All property in a Federal Emergency Management Agency (FEMA) flood plain must be covered by flood insurance. However, flooding can occur even in areas of low risk. Flood insurance protects property owners from the financial consequences of a flood. The County of Sacramento participates in FEMA's National Flood Insurance Program (NFIP) that makes flood insurance available for all County residents.

You can purchase flood insurance anytime. There is a 30-day waiting period after you’ve applied and paid the premium before your policy is effective. If you purchase flood insurance in connection with making, increasing, extending or renewing a loan, there is no waiting period.

You can purchase flood coverage at any time. There is a 30-day waiting period after you've applied and paid the premium before the policy goes into effect. There are two exceptions: If the initial purchase of flood insurance is in connection with the making, increasing, extending or renewing of a loan; there is no waiting period. The coverage becomes effective at the time of the loan, provided the application and presentment of premium are made at or prior to loan closing.

You can purchase flood coverage at anytime; however, a flood policy does not cover a loss in progress. A loss in progress is one already happening as of 12:01 A.M. of the first day of the policy term.

Call your local, licensed casualty or property insurance agent, or the National Flood Insurance Hotline at 1-800-427-4661. You can also visit their website at: http://www.fema.gov/business/nfip/

If you want your belongings covered against damages caused by a flood, the answer is yes. Homeowners insurance policies do not cover damage from flooding. If you live in a flood zone area where there are frequent floods, we recommend you to speak to a Northeastern representative to provide you with a price quote for flood insurance to protect your house and your personal property. If you live in a flood zone usually your mortgagee requires flood insurance.

If your property lies within flood zone "A" or "V", federal law requires you to maintain and provide proof of flood insurance coverage. Prior to closing, you were notified if your property was located in one of these zones. Federal law also requires that we monitor any changes in flood zones for as long as your loan is outstanding; so if there is ever a change in the status of the flood zone where your property is located, we will notify you by mail.