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Yellowstone County Public Works urges Yellowstone County residents to consider buying flood insurance by high-water season. Flood insurance policies do not take effect until 30 days after purchase, making early planning essential to cover costly flood damage. The average high water date is June 15.

According to information from YCPW, most insurance plans, including homeowners, commercial and renters, generally does not cover flood damage. Supplemental flood insurance through the National Flood Insurance Program can be purchased through local insurance agents. The policy is usually good for one year. People who live outside a floodplain in Yellowstone County may also buy flood insurance. Residents are able to receive a 10 percent discount on policy rates because of participation in the Community Rating System.

Prices vary based on the flood risk associated with a home’s location. Contents to homes and commercial buildings can be covered for additional premium.

From 20 to 25 percent of all flood claims occur outside high-risk areas.

For more information, to view flood maps, or for help with floodplain questions, contact Yellowstone County Public Works online at co.yellowstone.mt.gov/floodplain or by calling 256-2735.

More information is also available at floodsmart.gov or by calling the National Flood Insurance Program at 888-379-9531.

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