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.

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.

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.

You may be required by your lender to buy flood insurance if you have a Federally backed mortgage loan and the building is located in a high-risk flood area. And your lender may, at its own discretion, require that you buy flood insurance even if your building is outside the high-risk flood area. You may also be required to buy flood insurance as a condition of receiving Federal disaster assistance after Federally declared flood disaster.

Property owners, renters, and business people in flood hazard areas of communities that have qualified for the NFIP may purchase flood insurance. Local government officials can tell you if your community is eligible. If your community is not already in the program, local officials may wish to contact the Wisconsin Department of Natural Resources (DNR) for assistance in qualifying for participation. Renters may buy contents-only or personal property 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.

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.

It doesn't matter how many times your home, apartment, or business has been flooded. You are still eligible to purchase flood insurance, provided that your community is participating in the NFIP.

No matter where you live, you can buy National Flood Insurance if your community participates in the NFIP*. The program was created to provide Federally backed flood insurance to people who live in areas at risk of flooding.

There is a 30-day waiting period for flood insurance coverage to become effective. If flood insurance is purchased in connection with a mortgage loan, there is no waiting period.

You can buy flood insurance no matter where you live, as long as your community participates in the NFIP, except in Coastal Barrier Resources System (CBRS) areas.

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/