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Flood insurance: Should you get it?

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DEL CITY, Okla. -- With all the heavy rains – many Oklahomans are wondering if they’re covered for flood damage by insurance.

 “It’s a problem for people that don’t expect to be flooded, don’t have flood insurance and then end up with damage like this,” said Buddy Combs with the Oklahoma Insurance Department.

 “Your homeowner’s insurance is never going to cover any kind of flooding.  So you always have to have a flood policy in place to protect your valuable assets,” said Tom Leatherbee, the Director of Community Services for Del City.

 Del City has a large flood plain area.

 Four creeks plus the North Canadian River criss cross their area.

 Leatherbee says they had 117 structures flooded in the May 6th storm and many of those were uninsured for floods.

 “The city’s trying to help them.  We’ve waived our building permit fees, we’ve got our inspectors out,” said Leatherbee.

 Leatherbee is also part of the Oklahoma Flood Plain Manager’s Association.

 They’re on a mission to raise awareness of flood insurance and say even if you don’t live in a flood plain, you can still get it.

 “When you look to get flood insurance outside of the flood plain, it’s incredibly affordable,” said Leatherbee.

 Most Oklahoma communities are part of the National Flood Insurance Program, a federally subsidized program aimed at getting folks affordable flood insurance.

Find your Floodplain Administrator here.

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