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• Mar 5, 2008 2:51 pm US/Eastern
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  Spring Flood Danger Prompts Warning From Gov't

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Spring Flood Danger Prompts Warning From Gov't

FEMA Says Get Flood Insurance Now

BOSTON (WBZ) ― Flood losses are not covered by your homeowner's insurance. This is very important information that many people do not know.

After the wettest February on record, FEMA is re-issuing this warning to make sure people stay protected.

Under the National Insurance Flood Program's definition of a flood, water does not have to fill your entire first floor or come rushing down the street to be considered a flood. Flooding can come in the form of only a few inches.

According to National Insurance Flood Program -- a program put in place by Congress after the National Insurance Flood Insurance Act of 1968 -- even the smallest amount of water can cause severe and costly damage to your home.

With the wettest February on record behind us, the massive snow accumulation up north and the warm weather approaching, officials are urging people to apply for flood insurance as soon as possible. (Click here to learn your flood risk.) 

Flood insurance takes 30 days to go into effect once you apply for it, so FEMA and the NFIP are recommending everyone act fast. 

The first step to apply for flood insurance is to make sure your community participates in the National Flood Insurance Program. (Click here to find your state and your town).

If your town is listed, you then have to figure out which type of policy you need. There are currently three policies: dwelling, general property and residential condominium building association. (Click here to find out what type of policy you need and to download an insurance policy form.)

A standard flood insurance policy, which officials says is very affordable, usually covers structural damage, furnace, water heater and air conditioners, clean up and floor surfaces such as carpeting and tile.

You can also buy an insurance policy that will cover items inside your home, such as furniture, clothing and jewelry.

Even though flood insurance will cost you a couple hundred dollars each year, it could save you thousands if severe weather wreaks havoc on your home.

(© MMVIII, CBS Broadcasting Inc. All Rights Reserved.)

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