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Flood Insurance

Flood damage is not typically covered by homeowners’ insurance policies, so it’s important to purchase a flood insurance policy to protect your investment from floods. Just because you haven’t experienced a flood in the past, doesn’t mean you won’t in the future.

National Flood Insurance Program

The National Flood Insurance Program, or NFIP for short, offers flood insurance, which can be purchased through the insurance agent who handles your homeowners’ insurance policy. Rates are set and no not differ from company to company or agent to agent. These rates depend on many factors, which include the date and type of construction of your home, along with your building’s level of risk.

NFIP flood insurance policies are available to homeowners, renters, condo owners/renters, and commercial owners/renters.

For more information, contact your insurance agent, visit FloodSmart or the National Flood Insurance Program (NFIP)

Building Coverage Includes
Content Coverage Includes
What's Not Covered?

The insured building and its foundation
The electrical and plumbing systems
Central air conditioning equipment, furnaces and water heaters
Refrigerators, cooking stoves and built-in appliances such as dishwaters
Permanently installed carpeting over unfinished flooring
Maximum coverage is $250,000

Clothing, furniture and electronic equipment
Curtains
Portable and window air conditioners
Portable microwaves and dishwashers
Carpeting that is not already included in property coverage
Clothing washers and dryers
Maximum coverage is $100,000

Damage caused by moisture, mildew or mold that could have been avoided by the property owner
Currency, precious metals and valuable papers such as stock certificates
Property and belongings outside of an insured building such as trees, plants, wells, septic systems, walks, decks, patios, fences, seawalls, hot tubs and swimming pools
Living expenses such as temporary housing
Financial losses caused by business interruption or loss of use of insured property
Most self-propelled vehicles such as cars, including their parts

Community Rating System

The National Flood Insurance Program’s Community Rating System is a voluntary incentive program that recognizes communities for implementing floodplain management practices that exceed the federal minimum requirements of the NFIP to provide protection from flooding. In exchange for a community’s proactive efforts to reduce flood risk, policyholders can receive reduced flood insurance premiums for buildings in the community. These reduced premiums reflect the reduced flood risk resulting from community efforts toward achieving the three CRS goals:

Reduce flood damage to insurable property.
Strengthen and support the insurance aspects of the NFIP.
Encourage a comprehensive approach to floodplain management.

The Flood Control District of Riverside County has participated in this program since 2010. Through the annual accreditation process, the District is now at Class 6, which gives residents of unincorporated Riverside County up to a 20 percent discount on their flood insurance. The Federal Emergency Management Agency (FEMA) and local documentation is available at Riverside County Flood Control and Water Conservation District. Also, you can learn more about the NFIP and its Community Rating System at www.floodsmart.gov.

Additional Facts about Flood Insurance

Riverside County Flood Control and Water Conservation District

Contact Us

	1995 Market St. Riverside, CA 92501
	Phone (951) 955-1200
	Fax (951) 788-9965

Mon-Fri 8:00am - 5:00pm

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OUR MISSION - We responsibly manage stormwater in service of safe, sustainable, and livable communities.