In the near future, the City will be submitting an application
for a flood insurance premium reduction under the Community Rating
Rates & Coverage
Rates are set by the federal government and do not differ from company
to company or agent to agent. These rates depend on many factors,
including how much insurance is purchased, what it covers, the date and
type of construction of your home, along with your property's level of
There are two types of coverage which can be purchased separately:
- Structural coverage:
Covers everything that stays with a house when it is sold, including
the furnace, cabinets, built-in appliances, and wall-to-wall carpeting.
- Contents coverage: Covers furniture and other personal possessions except for money, valuable papers, etc.
For more information about flood preparedness, to rate your risk,
estimate your flood insurance premium, and find an agent, visit the Flood Smart