Flood Insurance

The City of Dickinson participates in the National Flood Insurance Program which is backed by FEMA and is available to all properties, including those that have flooded previously. Regardless of your location in or out of a flood zone, everyone in Dickinson is encouraged to purchase and maintain a flood insurance policy. Even if you live in an area with low or moderate flood risk, you are 5 times more likely to experience a flood than a fire in your home over the next 30 years and basic homeowner’s insurance policies do not cover damage from floods. Remember there is a 30-day waiting period before the policy becomes effective so don’t wait until an impending storm to purchase a policy. Some people have flood insurance because of the mandatory purchase requirement by their bank or loan company when they obtained a mortgage or home improvement loan. Usually, these policies only cover the building’s structure and not the contents, but contents coverage is also available and is not only for homeowners. Renters are encouraged to purchase a contents policy as well. Keep in mind that a flood insurance policy must be renewed every year. Any lapse in coverage could result in claims not covered and expensive out of pocket costs to repair a damaged home. Visit Floodsmart: The Official Site of the National Flood Insurance Program for more details on flood insurance including types of policies, coverage options, and other useful information.