Nevada Division of Insurance reminds residents of flood danger

Flooding in Las Vegas.PNG

As summer approaches in the valley so does our rainy season.

The Nevada Department of Insurance is trying to get ahead of the rain and remind you to consider flood insurance for your home. That coverage isn't like regular car insurance.

"If my house was in a flood zone I would definitely consider it," said local resident,Tyrone Wilims.

Wilims is like many people across our valley. They say they have no need for flood insurance because they're not in a high-risk area.

Regardless of where you live, flooding could happen.

In September 2012, a massive storm led to severe flooding around the Desert Rose Golf Course. The flooded homes were not high risk.

Wilims' remembers it well, his mother lived on the edge of the flooding.

"I heard there were a couple of homes that were severely affected by it," he said.

Anthony Fagiana works for Allstate insurance and helps people find the right coverage. He says infrastructure improvements have helped keep this from happening again.

"There have been a lot of mitigation projects going on that have really lessened the floods here in town," said Fagiana.

Flood insurance is run by FEMA, the feds control the rules and the rates.

In a low-risk area, Fagiana said homeowners could pay as low as $130 a year. High-risk zones are another story.

"They can pay $1000 or more a year for their flood insurance," said Fagiana.

It's important to note flood insurance requires some foresight.

"You have to pay it in full up front. There's a standard 30 day waiting period," said Fagiana said.

Meaning if you buy it today your policy isn't effective until after 30 days. Planning ahead to keep the possibility of rushing water from ruining the things you've worked for.

To find out if your home is in a low-risk area, click here.

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