Properties that are located in Special Flood Hazard Areas (SFHA) may be required by a mortgage company to have flood insurance. Flood insurance is provided by the National Flood Insurance Program (NFIP) which is administered by FEMA. Arvada participates in the Community Rating System (CRS), which is a program for communities that go above and beyond the basic requirements for floodplain management. Arvada has a CRS rating of 5 which results in a 25% discount on flood insurance premiums. It is a good idea to buy flood insurance even if you live in a low- or moderate-risk area. Regular homeowners insurance does not cover flood damage. Nationally, almost 25% of all flood insurance claims come from areas with minimal flood risk. A home in a high-risk area is three times more likely to suffer damage from a flood than a fire in the lifetime of a typical mortgage. The purchase of flood insurance is mandatory for all Federal or federally-backed financial assistance for the purchase and/or construction of buildings in a Special Flood Hazard Area. In 2012, legislation was passed that changed the way flood insurance premiums are calculated. Contact your insurance agent for more information on coverage amounts and rates.
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