The state Department of Commerce is warning Minnesotans to review whether they might need flood insurance as winter ebbs.
The agency points out that flood damage is not covered under a standard homeowner’s insurance policy. Warming weather, along with heavy snowfall totals in February and early March, make flooding a strong possibility in many parts of the state.
Flood insurance is a special policy offered through the National Flood Insurance Program. Consumers can check with their insurance agent to see if it’s available through them.
Flood insurance has a 30-day period after purchase before it becomes effective.
Homeowners should also find out whether their home is in a 100-year flood plain or a 500-year flood plain.
However, that is not a requirement in order to purchase insurance.
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