Flood Insurance Coverage PhotoMyth:  “My Agent said I can’t get flood insurance since I’m not in the floodplain.”

Reality: That is NOT true.  Rural properties throughout the county may be eligible as well as those located within the city limits of Chandler, Lake Wilson and Avoca. 


Myth:  “I have homeowner’s insurance!  Doesn’t that cover flooding?”

Reality:  Most likely “no” (but ask your insurance agent just in case).


Myth:  “If there’s a devastating or damaging flood, the Federal Emergency Management Agency (FEMA) will cover it.”

Reality:  It’s not a given that FEMA will cover any damage caused by a flood.  That takes a federal disaster declaration including individual assistance.

Why should I purchase flood insurance?

If you’re thinking that it seems silly to buy flood insurance every year, and “If they predict a big storm, I’ll buy flood insurance then.”, remember, it doesn’t work that way.  There is a 30-day waiting period before a new flood insurance policy becomes active.  Don’t gamble.  Call your insurance agent and get a good flood insurance policy.  So when all of this record-breaking snow melts and the rains come, you’ll have the peace of mind that comes with knowing that your home and your possessions are protected.

If you have any questions or need more information, below are websites and contact information for you:

Jean M. Christoffels  –  Murray County Zoning/Environmental Administrator
Phone:  507-836-1166