If you do not have flood insurance, talk to your insurance agent. Most homeowner’s insurance policies do not cover damage from floods.
Flood insurance is only available to property owners in communities that participate in the National Flood Insurance Program (NFIP). La Crosse is part of the NFIP, thus residents are able to obtain flood insurance. Additionally, because the City participates in FEMA’s Community Rating System (CRS) program, flood insurance premiums are discounted.
Be sure to check your policy to ensure you have adequate coverage. Usually these policies cover the building structure, but not the contents. Contents coverage can also be obtained by asking.
There is a 30-day waiting period before flood insurance coverage becomes effective. Plan ahead; do not wait until a flood is predicted before purchasing flood insurance.