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Natural Resources Program

National Flood Insurance Program

The National Flood Insurance Program (NFIP) is offered through the Federal Emergency Management Agency (FEMA) to communities who wish to participate. Thurston County participates in the program, which means properties have the opportunity to purchase flood insurance through NFIP.  It also means that Thurston County's development regulations are based on FEMA requirements.

Through mitigation and preparedness actions, Thurston County has earned a 25% discount for flood insurance rates available to residents in the unincorporated areas. This translates into an an average annual savings of $238 per property.

Flood Insurance Facts

  • Damage to homes from floods is not covered by homeowner’s insurance policies.
  • NFIP insurance covers both structural and contents coverage even if it is not declared a federal disaster.
  • NFIP is offered through private insurance companies.
  • If the home is in a Special Flood Hazard Area NFIP will be required 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 offers insurance that covers damages due to groundwater flooding.
  • NFIP is available to renters as well.
  • Contact your homeowner’s insurance carrier to find out if they carry NFIP flood insurance. If they don’t go to www.floodsmart.gov type your address and get a list of local insurance carriers that offer NFIP flood insurance.
  • Beware there is a 30-day waiting period after the first premium is paid before the policy is in effect.
  • Call NFIP for information 1-800-638-6620 or go to www.floodsmart.gov.
  • For additional flood insurance information, go to http://info.insure.com .



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