After a record year of flooding in the Tri-States last year, the Illinois Department of Natural Resources, the Illinois Department of Insurance and the Illinois Emergency Management Agency are telling residents to plan for emergencies now.
In 2019, flooding impacted more than 2.1 million residents across 33 counties, according to the state.
The National Flood Insurance Program issued over $19.7 million to Illinois homeowners who submitted flood insurance claims during the flooding.
O'Brien Insurance Agent Shelly Steinkamp spoke with WGEM about flood insurance.
"People living near low lying areas with a body of water including rivers, lakes and creeks, should have flood insurance," Steinkamp said. "The cost varies based on where you live, but not everyone is required to have it."
Even if your property is not in a high risk flood area, your mortgage lender may still require you to have flood insurance, according to FEMA.
If you are thinking about flood insurance, now is the time to do your research because Steinkamp said there is a waiting period if you sign up and you may not receive coverage before flood season begins.
It is important to find out what is covered by your home insurance policy because some issues related to flooding may not be covered by flood insurance.
Steinkamp said if there is a cracked foundation or water damage from seepage issues, that would be considered a maintenance issue.
To read details on the FEMA National Flood Program click here.
For all of our previous flood watch stories, click here.