What flood insurance coverages are available?
There are two layers of coverage available. The first layer of coverage is emergency coverage and is available to residents of flood-prone communities as soon as the community enters the program. The rates for this emergency coverage are partially subsidized by the federal government. Once a flood rate map is completed, a second layer of coverage is available at actual rather than subsidized rates. Insurance under the regular program is only available to communities that have passed required ordinances and have undergone studies by the Army Corps of Engineers.
