Step 2: Insure Your Property

Flooding is not covered by a standard homeowner’s insurance policy. The City of St. Cloud participates in the National Flood Insurance Program (NFIP) which makes federally backed flood insurance available for all structures in the City regardless of whether or not they are located within a SFHA. 

Coverage is available for the building itself as well as its contents. Renters are highly encouraged to purchase flood insurance for their contents. Note that there is a 30-day waiting period before coverage goes into effect. Contact your local insurance agency for more information.

STEP 3: PROTECT YOURSELF & YOUR FAMILY