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.

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.

The Federal Emergency Management Agency, or FEMA, has divided most of the United States into varying flood zones according to the area’s likelihood of being flooded. If the property is in a designated flood zone, and the proposed loan against that property is in any way connected to the government, then flood insurance is required. Period. A call to your municipal planning authority is probably the easiest way to determine whether your home is in a flood zone.

You are required to have coverage for at least 80% of the replacement cost of your house or the loan balance, whichever is LESS.

Most lenders will not lend you money to buy a home in a flood hazard area unless you pay for flood insurance. Some government loan programs will not allow you to purchase a home that is located in a flood hazard area. Your lender may charge you a fee to check for flood hazards. You will be notified if flood insurance is required.

Basic home owner insurance usually will not provide coverage for flood/earthquake related damages to your home. We can give you quotes for your needs for flood/earthquake insurance.

If you are in a special flood hazard area, you must have flood insurance before we can disburse a loan. The amount of insurance required is the insurable value of the property in the special flood hazard area but not to exceed the maximum flood insurance available under the National Flood Insurance Act.

Damages due to several types of natural disasters are not covered under standard insurance policies. If you live somewhere where floods, earthquakes, etc. happen, strongly consider adding an endorsement to your homeowners policy. If you are in a specific area, such as a flood hazard zone, your mortgage company will inform you of any additional coverage that is required.

The National Flood Insurance Program (NFIP) is based on Federal Emergency Mgmt Agency (FEMA) flood maps. The FEMA maps are what's used by your lender to determine whether flood insurance is mandatory. The 100-year flood is also known as the "base flood" and is the standard used on the maps. The 100-year flood means there is a one percent chance per year of a flood or equivalently a 1 in 4 chance of a flood occurring over a life of a 30-year mortgage.

Yes. The contents of your home or apartment (i.e., your personal property) should be insured against flood damage. Generally speaking, the Harris County Flood Control District (HCFCD) is responsible for the bayous, creeks, and major open channels within the City limits; whereas, the City is responsible for the design, construction, and maintenance of the storm sewers, roadside ditches, and some open channels within the City rights-of-way.