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Forum staff reports, Published March 15 2013

Property owners should assess flood risks

BISMARCK – North Dakota Insurance Commissioner Adam Hamm is encouraging home and business owners to educate themselves about flood risks and flood insurance.

To assess flood risk, floodplain maps can be found online at www.msc.fema.gov.

Flood insurance is offered and underwritten by the National Flood Insurance Program. Several insurance companies in North Dakota write and service flood policies through the NFIP.

Traditional homeowners’ insurance policies do not cover flooding or sewer back up. Consumers should talk to their insurance agent about their policy’s limits and what other coverage can be purchased separately.

For more information, contact an insurance agent or the NFIP at (800) 638-6620 or log on to www.floodsmart.gov.