![]() Owners will still file an insurance claim (homeowners and flood) and be denied coverage. If there is a declared disaster, FEMA will pay for my damage.įALSE! FEMA assistance, is the last resort. FEMA only pays me if my area is declared a state of emergency anyway, so I don’t need insurance.įALSE! The National Flood Insurance Program pays out for all flooding damage to its policy holders regardless of having a declared disaster.Ģ. These policies are very affordable and provide the comfort of knowing your home and contents are safe from flood damage. If your property is not located in the SFHA, you may qualify for lower-cost Preferred Risk Policy. Simply enter your address and view the map.Įnter your address to see if you are in a special flood hazard area (SFHA)! If you don’t know what kind of flood hazard zone your property is located, you may visit the following FEMA Flood Map Service Center to find out. If you do not, you will not be eligible for future FEMA assistance. If your property has been flooded in the past and you have received any form of assistance from FEMA, you MUST obtain and maintain flood insurance on your property for as long as you live there. The insurance is backed by the Federal Government and is available to everyone – even properties that have been flooded in the past, and properties that are not in the Special Flood Hazard Area. However, because every town and village in Schoharie County participates in the National Flood Insurance Program, you can purchase a separate flood insurance policy. Homeowner’s insurance policies do not cover damage caused by natural flooding. Schoharie County, New York Official WebsiteĬontact your Insurance Agent, or find one here.Įveryone is at risk of flooding. Planning and Community Development Services.County Judge, Surrogate and Family Court.County Clerk / Records Management Office.Clerk of the Board, Auditor and Purchasing Agent.
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