Thurston County Connection Newsletter
Thurston County Connection
Thurston County Connection
March, 2014
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This Month's Articles

Recently Elected Officials Honored at Swearing In Ceremonies

Service Comes First

Thurston County’s Specialty Courts Hit Milestone

One Family, One Judge.

Sheriff Recognizes Contributions to the Community

Romance on Mound Prairie

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 National Flood Insurance Program.

Is it time for you to sign up?

Did you know that flooding has caused the deaths of more than 10,000 people since 1900? Property damage from flooding now totals over $1 billion each year in the United States. Winter weather is on the way and that could mean Thurston County rivers could, once again, swell out of their banks. One of the best ways for you to protect the investment in your property from flood damage is to enroll in the National Flood Insurance Program (NFIP).

The National Flood Insurance Program is offered through the Federal Emergency Management Agency (FEMA) and is a voluntary program that rewards communities for what they are doing to prevent flood damage. The program also provides an incentive for communities to undertake new flood protection activities.

Thurston County is a participant of the NFIP, meaning local property owners have the opportunity to purchase flood insurance through the program. An added benefit of Thurston County’s flood plain management and land-use policies is that property owners get a 25% discount on such flood insurance.

Below are a few facts on the National Flood Insurance Program:

  • Damage to homes from floods is not covered by homeowner’s insurance policies.
  • NFIP insurance covers damage to both structure and contents even if the flood is not declared a federal disaster.
  • NFIP is offered through private insurance companies.
  • If the home is in a Special Flood Hazard Area (100 year floodplain) NFIP will be required for the property owner to secure mortgage loans from federally insured banks and credit unions.
  • Federal disaster assistance does not pay for damages caused by flooding. Federal disaster assistance offers loans to help cover flood damage, not compensation for losses. The loans are only offered when the President formally declares a disaster, which occurs in less than 10% of all weather emergencies in the U.S.
  • NFIP is available to renters as well.


What is your flood risk? Officials in the building department of Thurston County or the city where you live can tell you the history of flooding for your area. Ask whether your property is in the floodplain and if it is above or below the flood stage water level. The Federal Emergency Management Agency also has flood information maps for your area at their on line- Map Service Center.

Individuals and business owners can find out more about the National Flood Insurance Program by visiting the FEMA web site. Information is also available through local insurance agents and from the Thurston County Emergency Management office.

By John Tennis

Recent floods sent the Chehalis over the banks. Recent floods sent the Chehalis over the banks.

Many homes were flooded by the Chehalis. Many homes were flooded by the Chehalis.