Arizona Residents Urged to Update Flood Insurance

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Nov. 14, 2007 -- The National Flood Insurance Program (NFIP) is modernizing its flood maps. Changes to the flood maps may mean changes in flood insurance coverage options for homes or businesses! For more information, call your insurance company representative or visit floodsmart.gov.

Residents of Pinal and Gila counties must make changes to their flood insurance coverage by December 4, 2007 in order to lock in better rates. Deadlines for other Arizona counties are as follows:

La Paz County: June 3, 2008

Navajo County: September 17, 2008

Mohave County: November, 19, 2008

All other Arizona counties: No dates established yet.

Pinal County has provided its residents with information about the changes to flood maps. Click here for a press release and a powerpoint presentation for more detailed information.

The Arizona Department of Insurance has a toll-free number for general information about flood insurance or if you need help finding an insurance agent who deals with flood insurance. That number is 1-800-325-2548.

Flood maps are used to locate a property within a particular flood zone. When considering purchasing or renewing a flood insurance policy, you will need to know whether your property is in a low to moderate or high-risk area to determine which policy is right for you.

Over the years, many of the government's flood insurance maps have become obsolete, due to urban growth, changes to river flows and coastlines, and even flood mitigation efforts like drainage systems and levees. Accurate information is essential to inform property owners of emerging flood risks and to determine appropriate rates for flood insurance coverage.

Map Modernization is FEMA's (Federal Emergency Management Agency) response to the need to update and maintain flood hazard maps. This initiative is creating digital flood insurance rate maps for more than 20,000 communities across the United States. In addition, these maps will become the platform for identifying other potential risks, such as land erosion, deforestation and ice flows.

Because these changing maps could affect your flood insurance needs, it's important to talk to your flood insurance agent about possible changes to your community's flood maps.

Source: Arizona Dept. of Insurance


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