Buy flood insurance and stay protected, no matter what.
When disaster strikes, flood insurance policyholder claims are paid, even if a disaster is not federally declared. Flood insurance means that you’ll be reimbursed for all your covered losses. And unlike federal aid, it never has to be repaid.
Typically, a policy does not take effect until 30 days after you purchase flood insurance. So, if the weather forecast announces a flood alert for your area, it’s already too late to purchase coverage. You will not be insured if you buy a policy a few days prior to a flood.