The Official Website of LaMoure County

Flood insurance

This page will have information on flood insurance.

Below are two fact sheets from the North Dakota Water Commission to help you start learning about Flood Insurance:

http://www.swc.nd.gov/pdfs/ndram_stats.pdf

http://www.swc.nd.gov/pdfs/flood_insurance_stats.pdf

To help users understand and utilize NDRAM better, a 10-minute tutorial video has been produced. Check it out here: 

For more flood information:

https://www.floodsmart.gov/

You can only purchase flood insurance through an insurance agent or an insurer participating in the NFIP. You cannot buy it directly from the National Flood Insurance Program (NFIP). If your insurance agent does not sell flood insurance, you can contact the NFIP Referral Call Center at 1-800-427-4661 to request an agent referral.

Typically, there's a 30-day waiting period from date of purchase until your policy goes into effect. Here are the exceptions:

-If the building is newly designated in the high-risk Special Flood Hazard Area (SFHA) and you purchase flood insurance coverage for it within the 13-month period following a map revision, there is a 1-day waiting period.

-If you purchase flood insurance in connection with making, increasing, extending, or renewing your mortgage loan, there is no waiting period.

-If you select additional insurance as an option on your insurance policy renewal bill, there is no waiting period.

-If a property is affected by flooding on burned federal land and the policy is purchased within 60 days of the fire-containment date, there may be no waiting period. Waiving of the waiting period is determined at the time of claim.

http://www.floodsmart.gov/how/how-do-i-buy-flood-insurance

Build a Kit

If you’re already on “high ground” during a flood, stay where you are. Be prepared by having your supplies already stored. #FloodSafety

Gather the supplies you may need in case a flood leaves you without power, water or gas. Supply list:http://www.ready.gov/kit

Know Your Risk

Learn your flood risk by entering your address in the Flood Smart widget, http://msc.fema.gov/portal/search

Here is a fact sheet on how the NFIP works:  emergency programs vs. regular programs

Fact Sheet Emergency versus Regular Program2.pdf