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National Floodplain Insurance Program

Do I Need Flood Insurance?

If you don't already have flood insurance, consider purchasing it for the structure and its contents.  Most homeowner's insurance policies do not cover damage from floods, so check your policy! 

The Village of Downers Grove participates in the National Flood Insurance Program (NFIP) allowing any property owner or renter to purchase flood insurance. Additionally, because the Village of Downers Grove participates in FEMA's  Community Rating System (CRS) program, owners of property within the Special Flood Hazard Area (SFHA) are eligible for a 20% reduction in premiums. 

If you are purchasing a house located within the SFHA and using a federally regulated/insured bank for a loan, the purchase of flood insurance will be mandatory. However, even if your home or business is not, purchasing flood insurance is still a good idea. Keep in mind flood elevations can surpass the 100-year mark in an extreme storm event, and approximately 25% of all claims paid out by NFIP are for properties outside of the SFHA. We encourage you to check with your insurance agent about the NFIP today!

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How Can I Stay Safe in a Flood?