Flood insurance is generally available to people in communities that participate in the National Flood Insurance Program (NFIP). Flood insurance policies can be purchased through local insurance agents by homeowners, business owners and renters who want protection for their homes, buildings and belongings. (Landlords can buy separate flood insurance policies to help protect the home.)
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WHAT DOES FLOOD INSURANCE COVER?
So, what does a flood policy help protect? FEMA says you can purchase coverage to help protect your home, your personal belongings, or both. Here are some of the basics for these two types of coverage:
Building property coverage What it helps protect : The physical structure of your home and its foundation; plumbing and electrical systems; central air and heating systems; attached bookcases, cabinets and paneling; and a detached garage (other detached structures need their own policy).How it typically pays out : Replacement cost basis (what it would take to repair the home in today's dollars) for a primary residence and actual cash value (which factors in depreciation) for a vacation home.Maximum coverage limit: $250,000 Personal contents coverage What it helps protect : Clothing, furniture and electronics; curtains; some portable appliances; freezers and the foods within them; and certain valuables, like art (up to a specified limit).How it typically pays out : Actual cash value basis (takes depreciation into account).Maximum coverage limit : $100,000
HOW DO I PURCHASE FLOOD INSURANCE?
A local insurance agent can help you purchase a flood insurance policy from the NFIP.
You'll typically need to wait 30 days for your policy to go into effect, though there are some exceptions. For instance, if you purchase a flood insurance policy at the same time you take out a mortgage, the insurance may go into effect immediately, according to FEMA .
WHAT'S NOT COVERED BY FLOOD INSURANCE?
Equally important is knowing what's not covered by flood insurance . Here are a few examples of the types of property and expenses that fall outside the scope of a basic flood insurance policy, according to the NFIP:
Moisture or mold/mildew damage that "could have been avoided by the homeowner"Currency, precious metals and paper valuables, like stock certificates Outdoor property such as decks, fences, patios, landscaping, wells and septic systems, and hot tubs and pools Living expenses, like temporary housing (if flood damage deems your home uninhabitable). Cars and other self-propelled vehicles (but your auto insurance may offer some protection for your car if you have comprehensive coverage). In addition, flood insurance provides limited, if any, coverage for below-ground rooms like crawl spaces and basements, and their contents, the NFIP says. Some items in these spaces (like the furnace) are typically included under building coverage. Others (like the washer/dryer) are usually covered under personal contents coverage. And some items ─ like your personal effects ─ may not be covered at all when they're kept in below-ground rooms.
Talk to an agent to help make sure you're clear about the coverage details, exclusions and limitations of a flood insurance policy and to help you make the right choices for your situation.
Of course, you should also remember that a flood isn't the only potential source of water damage to a home. That's why, in addition to understanding the potential benefits of flood insurance, you should also review the coverages offered by your homeowners insurance policy.
Armed with the knowledge and insurance coverages that are right for you, you'll go a long way toward protecting your home against water damage .
27,952 2 17.6 sq mi (45.6 km2 ) 1797 Henderson Heritage Creek [a 1] 1,076 5 0.4 sq mi (1.0 km2 ) Jefferson Hickman 2,395 4 3.6 sq mi (9.3 km2 ) Fulton Hickory Hill 114 6 0.1 sq mi (0.3 km2 ) Jefferson Highland Heights 6,923 4 2.6 sq mi (6.7 km2 ) 1867 Campbell Hills and Dales 142 6 0.1 sq mi (0.3 km2 ) Jefferson Hillview 8,172 4 3.3 sq mi (8.5 km2 ) 1974 Bullitt Hindman 777 5 3.1 sq mi (8.0 km2 ) 1884 Knott Hodgenville 3,206 4 2.1 sq mi (5.4 km2 ) 1818 Larue Hollow Creek 783 5 0.2 sq mi (0.5 km2 ) Jefferson Hollyvilla 537 6 0.3 sq mi (0.8 km2 ) Jefferson Hopkinsville 31,577 2 30.8 sq mi (79.8 km2 ) 1799 Christian Horse Cave 2,311 4 2.7 sq mi (7.0 km2 ) 1864 Hart Houston Acres 507 6 0.1 sq mi (0.3 km2 ) Jefferson Hunters Hollow 386 6 0.1 sq mi (0.3 km2 ) Bullitt Hurstbourne 4,216 4 1.8 sq mi (4.7 km2 ) 1982 Jefferson Hurstbourne Acres 1,811 5 0.3 sq mi (0.8 km2 ) Jefferson Hustonville 405 5 1.0 sq mi (2.6 km2 ) Lincoln Hyden 365 6 1.3 sq mi (3.4 km2 ) 1878 Leslie Independence 24,757 3 17.7 sq mi (45.8 km2 ) 1842 Kenton Indian Hills 2,868 4 2.0 sq mi (5.2 km2 ) 1999 Jefferson Inez 717 6 1.7 sq mi (4.4 km2 ) 1874 Martin Irvine 2,715 4 1.5 sq mi (3.9 km2 ) 1812 Estill Irvington 1,181 5 0.9 sq mi (2.3 km2 ) Breckinridge Island 458 6 0.3 sq mi (0.8 km2 ) McLean Jackson 2,244 4 2.7 sq mi (7.0 km2 ) 1839 Breathitt Jamestown 1,794 5 3.0 sq mi (7.8 km2 ) 1827 Russell Jeffersontown 26,595 2 10.0 sq mi (25.9 km2 ) 1797 Jefferson Jeffersonville 1,506 5 2.5 sq mi (6.5 km2 ) Montgomery Jenkins 2,203 4 7.7 sq mi (19.9 km2 ) Letcher Junction City 2,241 4 1.8 sq mi (4.7 km2 ) Boyle Kenton Vale 110 6 0.1 sq mi (0.3 km2 ) Kenton Kevil 376 6 0.4 sq mi (1.0 km2 ) Ballard Kingsley 381 6 0.1 sq mi (0.3 km2 ) Jefferson Kuttawa 649 5 2.7 sq mi (7.0 km2 ) Lyon La Center 1,009 5 0.6 sq mi (1.6 km2 ) Ballard La Grange 8,082 4 7.1 sq mi (18.4 km2 ) 1827 Oldham LaFayette 165 6 0.2 sq mi (0.5 km2 ) Christian Lakeside Park 2,668 5 0.8 sq mi (2.1 km2 ) 1930 Kenton Lakeview Heights 185 6 0.1 sq mi (0.3 km2 ) Rowan Lancaster 3,442 4 1.9 sq mi (4.9 km2 ) 1797 Garrard Langdon Place 936 6 0.2 sq mi (0.5 km2 ) Jefferson Lawrenceburg 10,505 4 5.9 sq mi (15.3 km2 ) 1820 Anderson Lebanon 6,331 4 5.3 sq mi (13.7 km2 ) 1814 Marion Lebanon Junction 1,813 5 5.7 sq mi (14.8 km2 ) Bullitt Leitchfield 6,699 4 10.9 sq mi (28.2 km2 ) 1810 Grayson Lewisburg 810 5 1.2 sq mi (3.1 km2 ) Logan Lewisport 1,670 5 1.0 sq mi (2.6 km2 ) Hancock Lexington 295,803 2 285.6 sq mi (739.7 km2 ) 1790 Fayette Liberty 2,168 5 1.9 sq mi (4.9 km2 ) 1808 Casey Lincolnshire 148 6 0.1 sq mi (0.3 km2 ) Jefferson Livermore 1,365 5 1.0 sq mi (2.6 km2 ) McLean Livingston 226 6 0.3 sq mi (0.8 km2 ) Rockcastle London 7,993 4 10.3 sq mi (26.7 km2 ) 1825 Laurel Loretto 713 6 3.2 sq mi (8.3 km2 ) Marion Louisa 2,467 5 1.6 sq mi (4.1 km2 ) 1818 Lawrence Louisville [a 2] 597,337 1 342.2 sq mi (886.3 km2 ) 1778 Jefferson Loyall 1,461 5 1.4 sq mi (3.6 km2 ) Harlan Ludlow 4,407 4 1.2 sq mi (3.1 km2 ) 1864 Kenton Lynch 747 5 0.3 sq mi (0.8 km2 ) 1917 Harlan Lyndon 11,002 4 3.6 sq mi (9.3 km2 ) 1871 Jefferson Lynnview 914 5 0.2 sq mi (0.5 km2 ) Jefferson McHenry 388 6 0.7 sq mi (1.8 km2 ) Ohio McKee 800 5 2.3 sq mi (6.0 km2 ) Jackson Mackville 222 6 0.4 sq mi (1.0 km2 ) Washington Madisonville 19,591 4 18.7 sq mi (48.4 km2 ) 1807 Hopkins Manchester 1,255 4 1.5 sq mi (3.9 km2 ) 1807 Clay Manor Creek 140 6 0.1 sq mi (0.3 km2 ) Jefferson Marion 3,039 4 3.4 sq mi (8.8 km2 ) 1842 Crittenden Martin 634 4 0.7 sq mi (1.8 km2 ) Floyd Maryhill Estates 179 6 0.1 sq mi (0.3 km2 ) Jefferson Mayfield 10,024 3 10.4 sq mi (26.9 km2 ) 1823 Graves Maysville 9,011 3 21.4 sq mi (55.4 km2 ) 1787 Mason Meadow Vale 736 5 0.2 sq mi (0.5 km2 ) Jefferson Meadowbrook Farm 136 6 0.1 sq mi (0.3 km2 ) Jefferson Meadowview Estates 363 6 0.1 sq mi (0.3 km2 ) Jefferson Melbourne 401 6 0.8 sq mi (2.1 km2 ) Campbell Mentor 193 6 0.7 sq mi (1.8 km2 ) Campbell Middlesborough 10,334 3 7.6 sq mi (19.7 km2 ) 1890 Bell Middletown 7,218 4 5.1 sq mi (13.2 km2 ) 1797 Jefferson Midway 1,641 4 1.1 sq mi (2.8 km2 ) Woodford Millersburg 792 5 0.4 sq mi (1.0 km2 ) Bourbon Milton 593 6 1.3 sq mi (3.4 km2 ) Trimble Mockingbird Valley 167 6 0.2 sq mi (0.5 km2 ) Jefferson Monterey 138 6 0.3 sq mi (0.8 km2 ) Owen Monticello 6,188 4 5.9 sq mi (15.3 km2 ) 1800 Wayne Moorland 431 6 0.1 sq mi (0.3 km2 ) Jefferson Morehead 6,845 4 9.5 sq mi (24.6 km2 ) 1856 Rowan Morganfield 3,285 4 3.0 sq mi (7.8 km2 ) 1870 Union Morgantown 2,394 5 2.4 sq mi (6.2 km2 ) 1811 Butler Mortons Gap 863 5 1.2 sq mi (3.1 km2 ) Hopkins Mount Olivet 299 5 0.4 sq mi (1.0 km2 ) 1851 Robertson Mount Sterling 6,895 4 4.4 sq mi (11.4 km2 ) 1792 Montgomery Mount Vernon 2,477 5 1.7 sq mi (4.4 km2 ) 1790 Rockcastle Mount Washington 9,117 4 6.1 sq mi (15.8 km2 ) 1822 Bullitt Muldraugh 947 5 0.6 sq mi (1.6 km2 ) Meade Munfordville 1,615 5 2.3 sq mi (6.0 km2 ) 1816 Hart Murray 17,741 3 11.3 sq mi (29.3 km2 ) 1844 Calloway Murray Hill 582 6 0.1 sq mi (0.3 km2 ) Jefferson Nebo 236 6 0.3 sq mi (0.8 km2 ) Hopkins New Castle 912 5 0.4 sq mi (1.0 km2 ) 1798 Henry New Haven 855 6 0.6 sq mi (1.6 km2 ) Nelson Newport 15,273 2 3.0 sq mi (7.8 km2 ) 1794 Campbell Nicholasville 28,015 3 13.1 sq mi (33.9 km2 ) 1812 Jessamine Norbourne Estates 441 6 0.1 sq mi (0.3 km2 ) Jefferson North Middletown 643 5 0.3 sq mi (0.8 km2 ) Bourbon Northfield 1,020 5 0.5 sq mi (1.3 km2 ) Jefferson Nortonville 1,204 5 1.1 sq mi (2.8 km2 ) Hopkins Norwood 370 6 0.1 sq mi (0.3 km2 ) Jefferson Oak Grove 7,489 4 10.8 sq mi (28.0 km2 ) 1828 Christian Oakland 225 6 1.4 sq mi (3.6 km2 ) Warren Old Brownsboro Place 353 6 0.1 sq mi (0.3 km2 ) Jefferson Olive Hill 1,599 4 1.8 sq mi (4.7 km2 ) 1861 Carter Orchard Grass Hills 1,595 5 0.4 sq mi (1.0 km2 ) Oldham Owensboro 57,265 2 20.4 sq mi (52.8 km2 ) 1816 Daviess Owenton 1,327 5 1.1 sq mi (2.8 km2 ) 1822 Owen Owingsville 1,530 4 2.4 sq mi (6.2 km2 ) 1829 Bath Paducah 25,024 2 20.0 sq mi (51.8 km2 ) 1830 McCracken Paintsville 3,459 4 2.8 sq mi (7.3 km2 ) 1834 Johnson Paris 8,553 3 6.0 sq mi (15.5 km2 ) 1789 Bourbon Park City 537 5 1.5 sq mi (3.9 km2 ) Barren Park Hills 2,970 4 0.8 sq mi (2.1 km2 ) 1927 Kenton Parkway Village 650 6 0.1 sq mi (0.3 km2 ) Jefferson Pembroke 869 6 1.1 sq mi (2.8 km2 ) Christian Perryville 751 5 0.8 sq mi (2.1 km2 ) Boyle Pewee Valley 1,456 5 2.0 sq mi (5.2 km2 ) Oldham Pikeville 6,903 4 21.1 sq mi (54.6 km2 ) 1823 Pike Pineville 1,732 4 1.7 sq mi (4.4 km2 ) 1781 Bell Pioneer Village 2,030 4 0.7 sq mi (1.8 km2 ) Bullitt Pippa Passes 533 6 0.5 sq mi (1.3 km2 ) Knott Plantation 832 5 0.2 sq mi (0.5 km2 ) Jefferson Pleasureville 834 6 0.5 sq mi (1.3 km2 ) Henry Shelby Plum Springs 453 6 0.3 sq mi (0.8 km2 ) Warren Poplar Hills 362 6 0.1 sq mi (0.3 km2 ) Jefferson Powderly 745 5 1.6 sq mi (4.1 km2 ) Muhlenberg Prestonsburg 3,255 4 12.9 sq mi (33.4 km2 ) 1797 Floyd Prestonville 161 6 0.2 sq mi (0.5 km2 ) Carroll Princeton 6,329 4 9.0 sq mi (23.3 km2 ) 1817 Caldwell Prospect 4,698 3 3.9 sq mi (10.1 km2 ) 1974[3] Jefferson Oldham Providence 3,193 4 6.1 sq mi (15.8 km2 ) 1828 Webster Raceland 2,424 5 2.5 sq mi (6.5 km2 ) Greenup Radcliff 21,688 2 12.4 sq mi (32.1 km2 ) 1919 Hardin Ravenna 605 5 0.3 sq mi (0.8 km2 ) Estill Raywick 134 6 0.9 sq mi (2.3 km2 ) Marion Richlawn 405 6 0.1 sq mi (0.3 km2 ) Jefferson Richmond 31,364 2 23.1 sq mi (59.8 km2 ) 1798 Madison River Bluff 403 6 0.2 sq mi (0.5 km2 ) Oldham Riverwood 446 6 0.2 sq mi (0.5 km2 ) Jefferson Robards 515 6 3.0 sq mi (7.8 km2 ) Henderson Rochester 152 6 0.5 sq mi (1.3 km2 ) Butler Rockport 266 6 0.7 sq mi (1.8 km2 ) Ohio Rolling Fields 646 6 0.2 sq mi (0.5 km2 ) Jefferson Rolling Hills 959 5 0.2 sq mi (0.5 km2 ) Jefferson Russell 3,380 4 3.0 sq mi (7.8 km2 ) 1869 Greenup Russell Springs 2,441 5 4.5 sq mi (11.7 km2 ) Russell Russellville 6,947 4 10.8 sq mi (28.0 km2 ) 1798 Logan Ryland Heights 1,022 6 5.3 sq mi (13.7 km2 ) Kenton Sacramento 468 6 0.4 sq mi (1.0 km2 ) McLean Sadieville 303 5 1.1 sq mi (2.8 km2 ) Scott St. Charles 277 6 1.0 sq mi (2.6 km2 ) Hopkins St. Matthews 17,472 4 4.3 sq mi (11.1 km2 ) 1800 Jefferson St. Regis Park 1,454 4 0.4 sq mi (1.0 km2 ) Jefferson Salem 752 6 0.9 sq mi (2.3 km2 ) Livingston Salt Lick 303 6 0.8 sq mi (2.1 km2 ) Bath Salyersville 1,883 4 2.5 sq mi (6.5 km2 ) 1861 Magoffin Sanders 238 6 0.3 sq mi (0.8 km2 ) Carroll Sandy Hook 675 5 1.0 sq mi (2.6 km2 ) 1869 Elliott Sardis 103 6 1.0 sq mi (2.6 km2 ) Mason Robertson Science Hill 693 6 0.6 sq mi (1.6 km2 ) Pulaski Scottsville 4,226 4 5.7 sq mi (14.8 km2 ) 1816 Allen Sebree 1,603 5 2.9 sq mi (7.5 km2 ) Webster Seneca Gardens 696 6 0.2 sq mi (0.5 km2 ) Jefferson Sharpsburg 323 6 0.2 sq mi (0.5 km2 ) Bath Shelbyville 14,045 4 8.2 sq mi (21.2 km2 ) 1792 Shelby Shepherdsville 11,222 4 10.0 sq mi (25.9 km2 ) 1793 Bullitt Shively 15,264 3 4.6 sq mi (11.9 km2 ) 1831 Jefferson Silver Grove 1,102 5 1.7 sq mi (4.4 km2 ) Campbell Simpsonville 2,484 5 2.2 sq mi (5.7 km2 ) Shelby Slaughters 216 6 0.2 sq mi (0.5 km2 ) Webster Smithfield 106 6 0.1 sq mi (0.3 km2 ) Henry Smithland 301 6 0.5 sq mi (1.3 km2 ) 1805 Livingston Smiths Grove 714 5 0.8 sq mi (2.1 km2 ) Warren Somerset 11,196 3 11.3 sq mi (29.3 km2 ) 1801 Pulaski Sonora 513 6 1.1 sq mi (2.8 km2 ) Hardin South Carrollton 184 6 0.3 sq mi (0.8 km2 ) Muhlenberg South Park View 7 6 0.1 sq mi (0.3 km2 ) Jefferson South Shore 1,122 5 0.9 sq mi (2.3 km2 ) Greenup Southgate 3,803 4 1.4 sq mi (3.6 km2 ) 1907 Campbell Sparta 231 6 5.9 sq mi (15.3 km2 ) Gallatin Owen Spring Mill 287 6 0.1 sq mi (0.3 km2 ) Jefferson Spring Valley 654 6 0.2 sq mi (0.5 km2 ) Jefferson Springfield 2,519 4 3.7 sq mi (9.6 km2 ) 1793 Washington Stamping Ground 643 6 0.4 sq mi (1.0 km2 ) Scott Stanford 3,487 4 3.1 sq mi (8.0 km2 ) 1786 Lincoln Stanton 2,733 4 2.1 sq mi (5.4 km2 ) 1854 Powell Strathmoor Manor 337 6 0.1 sq mi (0.3 km2 ) Jefferson Strathmoor Village 648 6 0.1 sq mi (0.3 km2 ) Jefferson Sturgis 1,898 4 1.6 sq mi (4.1 km2 ) Union Sycamore 160 6 0.1 sq mi (0.3 km2 ) Jefferson Taylor Mill 6,604 4 6.3 sq mi (16.3 km2 ) 1810 Kenton Taylorsville 763 5 0.3 sq mi (0.8 km2 ) 1790 Spencer Ten Broeck 103 6 0.2 sq mi (0.5 km2 ) Jefferson Thornhill 178 6 0.1 sq mi (0.3 km2 ) Jefferson Tompkinsville 2,402 5 3.6 sq mi (9.3 km2 ) 1809 Monroe Trenton 384 6 0.6 sq mi (1.6 km2 ) Todd Union 5,379 4 3.3 sq mi (8.5 km2 ) Boone Uniontown 1,002 5 0.9 sq mi (2.3 km2 ) Union Upton 683 6 1.4 sq mi (3.6 km2 ) Hardin Larue Vanceburg 1,518 4 1.3 sq mi (3.4 km2 ) 1827 Lewis Versailles 8,568 4 4.4 sq mi (11.4 km2 ) 1792 Woodford Vicco 334 6 0.8 sq mi (2.1 km2 ) Perry Villa Hills 7,489 4 4.4 sq mi (11.4 km2 ) 1921 Kenton Vine Grove 4,520 4 4.7 sq mi (12.2 km2 ) 1850 Hardin Wallins Creek 156 6 0.3 sq mi (0.8 km2 ) Harlan Walton 3,635 5 4.3 sq mi (11.1 km2 ) Boone Kenton Warfield 269 6 0.8 sq mi (2.1 km2 ) Martin Warsaw 1,615 4 0.7 sq mi (1.8 km2 ) 1798 Gallatin Water Valley 279 6 0.6 sq mi (1.6 km2 ) Graves Watterson Park 976 5 1.4 sq mi (3.6 km2 ) Jefferson Waverly 308 6 0.3 sq mi (0.8 km2 ) Union Wayland 426 6 2.6 sq mi (6.7 km2 ) Floyd Wellington 565 6 0.1 sq mi (0.3 km2 ) Jefferson West Buechel 1,230 5 0.6 sq mi (1.6 km2 ) Jefferson West Liberty 3,435 4 4.4 sq mi (11.4 km2 ) 1816 Morgan West Point 797 5 0.6 sq mi (1.6 km2 ) Hardin Westwood 634 6 0.1 sq mi (0.3 km2 ) Jefferson Wheatcroft 160 6 0.3 sq mi (0.8 km2 ) Webster Wheelwright 780 6 1.8 sq mi (4.7 km2 ) Floyd White Plains 884 5 3.2 sq mi (8.3 km2 ) Hopkins Whitesburg 2,139 4 3.2 sq mi (8.3 km2 ) 1842 Letcher Whitesville 552 6 0.4 sq mi (1.0 km2 ) Daviess Whitley City 1,170 CDP 2.3 sq mi (6.0 km2 ) 1902 McCreary Wickliffe 688 5 1.1 sq mi (2.8 km2 ) 1880 Ballard Wilder 3,035 5 3.8 sq mi (9.8 km2 ) Campbell Wildwood 261 6 0.1 sq mi (0.3 km2 ) Jefferson Williamsburg 5,245 4 4.9 sq mi (12.7 km2 ) 1819 Whitley Williamstown 3,925 5 17.0 sq mi (44.0 km2 ) 1820 Grant Pendleton Willisburg 282 6 0.7 sq mi (1.8 km2 ) Washington Wilmore 6,134 4 0.9 sq mi (2.3 km2 ) Jessamine Winchester 18,368 3 7.9 sq mi (20.5 km2 ) 1792 Clark Windy Hills 2,385 5 0.9 sq mi (2.3 km2 ) Jefferson Wingo 632 6 1.0 sq mi (2.6 km2 ) Graves Woodburn 355 6 0.4 sq mi (1.0 km2 ) Warren Woodbury 90 6 0.1 sq mi (0.3 km2 ) Butler Woodland Hills 696 6 0.2 sq mi (0.5 km2 ) Jefferson Woodlawn 229 6 0.1 sq mi (0.3 km2 ) Campbell Woodlawn Park 942 5 0.3 sq mi (0.8 km2 ) Jefferson Worthington 1,609 5 1.2 sq mi (3.1 km2 ) Greenup Worthington Hills 1,446 6 0.3 sq mi (0.8 km2 ) Jefferson Worthville 185 6 0.3 sq mi (0.8 km2 ) Carroll Wurtland
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