Oregon Dept. of Consumer & Business Services
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News Release
Flood insurance facts and tips - 04/09/19

As storms continue and local waterways rise, it is important to understand a few facts about flood. 

  • Flooding is the most common natural disaster 
  • One inch of water can cost $25,000 in damage
  • More than 20% of flood claims come from homes outside high-risk flood zones

Unfortunately, a typical homeowners policy does not cover flood damage, however:

  • Comprehensive coverage on a typical auto insurance policy will cover damage to your car caused by a flood.
  • Some manufactured home policies cover flood damage. 
  • You can buy flood insurance through the National Flood Insurance Program (NFIP) and a few private insurers, but there is a 30 day waiting period.

If your home or car is damaged by flood:

  • Make safety the top priority when surveying storm damage, avoid downed power lines and watch your step walking around storm debris.
  • Save all receipts you obtain from hiring professionals or purchasing supplies to make temporary repairs.
  • Record the highest water line on your car and DO NOT attempt to start a flooded vehicle until inspected by a professional.

For more information on flood insurance visit: https://dfr.oregon.gov/insure/home/storm/Pages/flood.aspx  or https://www.floodsmart.gov/.  

If you have questions or would like assistance with a story I am available at 503-798-6376 or brad.hilliard@oregon.gov

View more news releases from Oregon Dept. of Consumer & Business Services.