Flood Insurance#
Did you know that your regular homeowner’s insurance policy does not cover floods? Or that 30% of flood insurance claims come from outside the mapped floodplain?
Only flood insurance covers floods. Don’t be left unprotected. Purchase flood insurance.
Fort Collins residents and businesses receive some of the lowest flood insurance premiums in the country due to the City’s rating in FEMA’s Community Rating System. You may qualify for a 40% discount on flood insurance premiums.
Here are a few useful tips regarding flood insurance from FEMA’s National Flood Insurance Program (NFIP):
- There is usually a 30-day waiting period before coverage takes effect.
- Flood insurance is required by lenders for properties in Federal Emergency Management-designated floodplains (Poudre River, Spring Creek, Dry Creek, Boxelder Creek, and Cooper Slough)
- Flood insurance is available to everyone in Fort Collins!
- Renters can purchase flood insurance.
There are also private flood insurance options.
Elevation Certificates#
Elevation Certificates are available for some properties. These certificates are used in a FEMA-designated floodplain to help rate a property when purchasing flood insurance.
Did You Know?
Activating sleep mode on computers (see ENERGY STAR® for details) uses less energy without sacrificing quality or performance.
Installing ENERGY STAR® roofing material with high reflectance can reduce cooling load.
Lowering the thermostat temperature on winter nights and when no one is home can save money and energy.