Myth:  “My Agent said I can’t get flood insurance since I’m not in the floodplain.”

Reality: That is NOT true.  Rural properties throughout the county may be eligible as well as those located within the city limits of Chandler, Lake Wilson and Avoca. 

Myth:  “I have homeowner’s insurance!  Doesn’t that cover flooding?”

Reality:  Flooding is not covered under a homeowners insurance policy. This includes flash flooding which has been the majority of flooding cases in Minnesota since 2017.

Myth:  “If there’s a devastating or damaging flood, the Federal Emergency Management Agency (FEMA) will cover it.”

Reality:  A federal disaster declaration is needed before FEMA assistance may become available. FEMA Individual Assistance (IA) is only in some disasters, and the average pay out when available is only around $3500 per household.

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Why should I purchase flood insurance?

If you’re thinking that it seems silly to buy flood insurance every year, and “If they predict a big storm, I’ll buy flood insurance then.”, remember, it doesn’t work that way.  There is a 30-day waiting period before a new flood insurance policy becomes active.  Don’t gamble.  Call your insurance agent and get a good flood insurance policy.  So when all of this record-breaking snow melts and the rains come, you’ll have the peace of mind that comes with knowing that your home and your possessions are protected.

If you have any questions or need more information, below are websites and contact information for you:

• www.floodsmart.gov
• https://www.fema.gov/wyo_company

Jean M. Christoffels  –  Murray County Zoning/Environmental Administrator
Phone:  507-836-1166