Flood Insurance

Flood Insurance Protection
Homeowner's insurance does not cover floods. Flood insurance for contents is available as well as for structures. Even areas outside the Special Flood Hazard Area (SFHA) are eligible for flood insurance.

When Flood Insurance is Required
Flood insurance is mandatory for federally secured financing to buy, build or improve a structure within the Special Flood Hazard Area (SFHA) for the life of the loan. The vast majority of mortgages are federally backed in some way. Lenders are responsible for determining whether a structure is located within the SFHA for flood insurance purposes. 

Important facts: 
  • Flood damage is not covered by homeowners’ policies. NFIP insurance can be purchased to protect homes, businesses and belongings. Flood insurance is available for residential properties up to $250,000 for the building and $100,000 for contents; and for nonresidential properties, $500,000 for building and $500,000 for contents. 
  • Individuals can buy flood insurance regardless of whether their flood risk is high, medium or low; it is available as long as their community participates in the NFIP. 
  • There is a 30-day waiting period before the coverage goes into effect. Flood insurance should be purchased before a flood threatens a home or business. 
  • Federal disaster assistance is only available in the event of a Presidential disaster declaration. More than 90 percent of all disasters in the United States do not receive such a declaration. Also, most all of the disaster assistance available to rebuild is in the form of low interest loans. Many applicants may not qualify and like all loans they must be paid back. Flood insurance pays even if a disaster is not declared!

See More Flood Insurance Information for additional information regarding the NFIP, insurance coverage, and upcoming changes to subsidized insurance rates.

Flood Hazard Information Assistance
The City of Eugene provides free information regarding the flood hazard for specific sites within our community and related issues at the Permit and Information Center. We can be reached by phone at 541-682-8400 or in person at 99 West 10th Avenue. We are open to the public from 9:00 am to 5:00 pm, Monday through Friday. We strive to return all calls within one business day.