Flood Insurance

Everyone has some risk of flooding no matter where your property is located.  There is a 26% chance of experiencing a flood during the life of a 30-year mortgage. Flood insurance is needed to protect your property and belongings. You can purchase flood insurance to cover the contents of your home, even if you are renting the home. 

The Town of Lake Clarke Shores participates in the National Flood Insurance Program (NFIP). The Federal Emergency Management Agency (FEMA) administers this program. The NFIP’s Community Rating System (CRS) recognizes community efforts beyond those minimum standards by reducing flood insurance premiums to residents of that community. The CRS assigns credit points based on additional flood protection activities that communities provide to help save lives and property in the event of a flood. Lake Clarke Shores currently has a rating of 8, which means that town residents owning property located in a special flood hazard area can save 10% on their flood insurance.  

Contact your insurance carrier to obtain more information on protecting your property with flood insurance. NOTE: It takes 30 days for a flood insurance policy to go into effect.

For more information regarding flood insurance costs and coverage go to the FEMA website: www.fema.gov