Talk to your insurance agent. Homeowner’s insurance policies do not cover damage from floods. However, because Richmond participates in the National Flood Insurance Program, you can purchase a separate flood insurance policy. This insurance is backed by the Federal government and is available to everyone, even for properties that have already been flooded.
Don’t wait for the next flood to buy insurance protection. There is a 30-day waiting period before the National Flood Insurance Program's coverage takes effect. Contact your insurance agent for more information on rates and coverage.