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  • Damage caused by the 1997 Spring Creek flood

Flood insurance is available to anyone - whether your property is in a floodplain, or not

There is a 30-day waiting period before the National Flood Insurance Program coverage takes effect. Most standard homeowners' insurance policies do not cover flood damage. Do not wait for flood damage to occur.

Flood insurance is required by lenders for properties in Federal Emergency Management Agency FEMA designated floodplains (Poudre River, Dry Creek, Spring Creek, Cooper Slough, and Boxelder Creek).

Although there is not a federal mandatory flood insurance purchase requirement in the City designated floodplains, some lending institutions may choose to require it.

Flood insurance is recommended for properties in areas that have the potential for flooding. Because Fort Collins Utilities participates in the National Flood Insurance Program's Community Rating System (CRS), Fort Collins residents may receive up to a 30% discount on their flood insurance premiums.

Flood Insurance Rate Changes

In July 2012, Congress passed the Flood Insurance Reform Act of 2012 that will result in the National Flood Insurance Program (NFIP) raising rates to reflect true flood risk and making the flood insurance program more financially stable. The changes will mean premium increases for approximately 20% of flood insurance policyholders over time.

Learn more about the NFIP and recent changes.

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Tip #201

Use an ENERGY STAR® programmable thermostat.

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Fort Collins Utilities Non-Discrimination Statement

Fort Collins Utilities is an equal opportunity residential and commercial utility service provider. We do not discriminate in the terms, conditions or provision of services based on race, color, religion, sex, disability, familial status or national origin.

Fort Collins Utilities es una empresa proveedora de servicios públicos residenciales y comerciales con igualdad de oportunidad. No discriminamos en los términos, las condiciones o la provisión de servicios en base a raza, color, religión, sexo, discapacidad, estatus familiar o nacionalidad de origen.