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Flood Insurance
Flood Coverage Facts
  • Standard property insurance policies do not cover flood damage.
  • Everyone lives in a flood zone. Wherever it rains, it can flood.
  • A structure in a flood hazard area has a 26% chance of flood damage during a 30-year mortgage, as compared to a 10% chance of fire.
  • The entire building can be lost with a single flood.

National Flood Insurance Program
The City of Moline participates in the National Flood Insurance Program (NFIP), which makes federally backed flood insurance available for all eligible buildings, whether they are in a floodplain or not. Flood insurance covers direct losses caused by surface flooding, including a river flowing over its banks, a lake or ocean storm, and local drainage problems. To learn more about the mandatory purchase of flood insurance for federally backed mortgages on buildings located in special flood hazard areas, see the Mandatory Purchase Requirement page.

Coverage Types
The NFIP insures buildings, including mobile homes, with two types of coverage - building and contents. Building coverage is for the walls, floors, insulation, furnace, and other items permanently attached to the structure. Contents coverage may be purchased separately, if the contents are in an insurable building.

Community Rating System
The Community Rating System (CRS) is a program administered by the Federal Emergency Management Agency (FEMA). It provides lower insurance premiums under the NFIP. The premium reduction is in the form of a CRS class, similar to the classifications used for fire insurance. The CRS class is based on the floodplain management activities a community implements.

Moline CRS Class
October 1, 2010, the City of Moline was accepted into the CRS program as a Class 8, which automatically reduces flood insurance premiums by 10%. As long as the city's floodplain management efforts continue to meet minimum CRS requirements, this discount will always be available to Moline residents and property owners.

Increased Cost of Compliance (ICC) Coverage
If a flood damages your property, you may be required by law to bring your home or building up to community and state floodplain management standards. If you have NFIP insurance and the city has declared the building to be substantially damaged, NFIP may provide up to $30,000 of the cost to elevate, flood proof, demolish, or relocate your property in order to comply with floodplain standards. ICC coverage is in addition to the coverage you receive to repair flood damages. However, the total payout on a policy may not exceed $250,000 for residential buildings and $500,000 for nonresidential buildings. Claims for ICC coverage should be initiated through your insurer.