Flood

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An illustration of a kitchen with a stove, fridge, and cupboards surrounded by floodwater. The text reads, “Before the next storm hits, learn more about flood insurance." Visit dfr.oregon.gov

​Hashtags: #OregonDFR #FloodInsurance #FloodRisk #FloodDamage #DisasterReady

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Did you know that most homeowners, renters, and business insurance policies do not cover flood damage? Just one inch of water can cause up to $25,000 in damage. Flood insurance policies can help protect you from this risk. Keep in mind that they take 30 days to become active.

Before the next storm hits, learn more about flood insurance by visiting dfr.oregon.gov/insure/home/storm/Pages/flood.aspx and floodsmart.gov.

If you have questions about your flood insurance policy, or would like to purchase flood insurance, contact your agent, insurance company, or the National Flood Insurance Program call center at 877-336-2627 (toll free).​

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An illustration of a house and a car surrounded by floodwater. The text reads, “Don't let unanticipated flooding leave you paying out-of-pocket costs for repairs." Visit dfr.oregon.gov

Hashtags: #OregonDFR #FloodInsurance #FloodRisk #FloodDamage #DisasterReady
 
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Recent heavy rains across Oregon are a reminder that floods can happen anywhere. More than 40 percent of National Flood Insurance Program (NFIP) claims come from outside high-risk areas.

Once rain hits the ground it is considered surface water. A typical homeowners policy does not cover ground/surface water damage. Comprehensive coverage on a typical auto insurance policy, however, will cover damage to your car caused by a flood.

Don't let unanticipated flooding leave you paying out-of-pocket costs for repairs. Get insurance information at dfr.oregon.gov/insure/home/storm/Pages/flood.aspx.

If you need to file a flood insurance claim, review the post-disaster claims guide at https://dfr.oregon.gov/help/outreach-education/Documents/publications/NAIC-Post-Disaster-Claims-Guide.pdf.​​

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An illustration of a neighborhood with homes and a car surrounded by floodwater. The text reads, “Get tips on what to do before, during, and after a flood.” Visit dfr.oregon.gov

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When you prepare for a flood, you prepare for recovery. Learn about your flood risk and how you can protect the life you've built with flood insurance.

Most homeowners, renters, and business insurance policies do not cover flood damage; however, you can buy flood insurance through the National Flood Insurance Program (NFIP) and some private insurers. Damage to your car from flooding is covered under comprehensive coverage on your auto insurance policy.

Get tips on what to do before, during, and after a flood at dfr.oregon.gov/insure/home/storm/Pages/flood.aspx.​