Step 10: Buy Flood Insurance in Low Risk Zones

Colored graphic tile representing water. Flood insurance is not just for properties located in the floodplain. Did you know that more than 25-percent of flood insurance claims are for structures outside the 100-year floodplain? Even if your home or business is located in a low risk X Zone, it may still be at risk of flooding from urban stormwater flooding, drainage issues, rising lake levels and other flood events.

Homeowners, renters, and business owners in low risk zones can purchase standard policies or reduced-rate “preferred risk” policies. Visit or contact your local insurance agent for more information.