Flood insurance is available for any property, regardless of whether it is located within a floodplain.
There is a 30-day waiting period before the NFIP coverage takes effect. Most standard homeowners' insurance policies do not cover flood damage. Do not wait for flood damage to occur.
The Federal Emergency Management Agency (FEMA) is working to clearly communicate the risk of flooding to individual property owners. The National Flood Insurance Program (NFIP) is a FEMA program that aims to reduce the impact of flooding on private and public structures. It does so by providing affordable insurance to property owners and by encouraging communities to adopt and enforce floodplain management regulations. Overall, the program reduces the socio-economic impact of disasters by promoting purchasing and retaining general risk insurance and, more specifically, flood insurance.
Flood insurance is required by lenders for structures in FEMA mapped 100-year floodplains. In Longmont, this includes St. Vrain Creek, Left Hand Creek, Dry Gulch #1, and Spring Gulch #1.
Flood Insurance Discount up to 25 Percent
Flood insurance is recommended for properties in areas that have the potential for flooding. The City of Longmont participates in the Community Rating System (CRS), a floodplain management effort that is part of the National Flood Insurance Program. Effective May 1, 2019, Longmont's CRS rating increased to Class 5.
A CRS Class 5 rating means:
- A 25 percent discount on flood insurance premiums for properties that are shown in the 100-year floodplain (any A Zone) on FEMA’s maps
- A 10 percent discount on flood insurance premiums for properties that are shown outside the 100-year floodplain (Any X Zone) on FEMA’s maps
- The discount applies to all current flood insurance policy holders and all new policies
- The discount is applied to flood insurance policies by an insurance agent, not by the City
- Contact your insurance agent to ensure the discount is applied to your flood insurance policy
To obtain and maintain a CRS Class 5 rating, the City of Longmont's floodplain management efforts exceed the minimum requirements of the NFIP. These include:
- Public outreach
- Floodplain mapping
- Higher regulatory standards
- Open space preservation
- Drainage system maintenance
- Watershed master planning
- Hazard mitigation planning
- Flood warning and response
FEMA Flood Risk Assessment Letters
FEMA has reviewed flood risk and underwriting information for every flood insurance policy and is writing to all NFIP policyholders to explain the current risk level for their property and the relation of risk to their premium rates (based on the 2012 Boulder County floodplain maps). Anyone who already has flood insurance will receive a letter from FEMA to explain their specific level of risk, as well as how that flood risk will impact what they pay for flood insurance. The information is designed to help policyholders make the best decisions about their flood risk, including how to better prepare for flooding disasters in the community.
These risk levels are based on the 2012 Boulder County floodplain maps and do not reflect the new existing conditions maps, which have not yet been adopted by FEMA. These risk levels also do not reflect the post-project conditions that are anticipated after work is completed on the Resilient St. Vrain project.
Policyholders will receive letters from FEMA about two months after their policy renewal dates. (For example, if your flood insurance policy renewal date was January 2017, you should have received the letter in March 2017.) Because each insurance situation is unique, policyholders are encouraged to contact their insurance agent to discuss their options or to visit FEMA.gov/cost-of-flood to learn more.
FEMA has compiled a PDF list of Frequently Asked Questions regarding the flood risk assessment letters being sent to flood insurance policyholders.
For More Information
Is your property at risk for flooding? Input your address on the Longmont Floodplain Inquiry Map to determine if your property is located within a regulatory floodplain.
- The Colorado Hazard Mapping Program (CHAMP) is remapping the 100-year floodplain of creeks affected in 2013, including St. Vrain Creek and Left Hand Creek. Read about the St. Vrain Watershed Risk Mapping Assessment and Planning effort >
- Floodplain map changes such as the ones detailed above can affect flood insurance premiums. Learn more on FEMA's website.
- Help with floodplain information is available from Longmont's Floodplain Administrator. Floodplain information requests are responded to within 48 hours and an appointment to discuss in person can always be made.