Flood insurance

Last update: August 21, 2007 - 9:50 PM

Protection against flood damage is available to nearly all Minnesotans.

Who is eligible?

• About 92 percent of Minnesotans can buy federal flood insurance. To qualify, a resident must live in an area that conforms to federal land zoning and other flood-control requirements.

• Policies are sold for homes, apartments and businesses, and residential condominium associations.

What does it cover?

• Flood insurance covers flood damage to property, including structural damage, furnace, water heater, flood debris clean-up, carpeting. You also can buy coverage for household possessions.

• Annual premiums vary widely, from about $300 for property well away from flood-prone areas to more than $1,000 for property at higher risk.

For more information

• Call the National Flood Insurance Program at 888-379-9531 or go to www.startribune.com/a3233.

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