Arcata California Flood Insurance

Located along the northern shores of Humboldt Bay; Arcata, California is one of the hidden gems of the United States. In addition to its proximity to the waters of the Humboldt Bay and the Pacific Ocean, the city is also subject to mild and moderate temperatures nearly year round. All of this would be more than enough to make Arcata a special place, but the residents of the city truly set it above and beyond many other cities. Residents here are forward-thinking and progressive, working to improve the lives of everyone within its borders through deliberate actions.

When it comes to natural disasters, preparing for the worst before a disaster is imminent is one of the most forward-thinking steps an individual can take. Business and property owners in Arcata may be shocked to learn that their traditional insurance policies may not cover damages that are a result of floods. Many times, individuals are unaware of these issues due to the fact properties in Arcata are typically at low risk for flooding.

But low-risk for flooding does not mean that there is no risk. Properties along the bay and along the floodway on the northeast side of the city are classified as Special Flood Hazard Areas (SFHAs) by the Federal Emergency Management Agency (FEMA). This means that during a thirty-year period, there is a one-in-four chance that a property in those areas would be subjected to inundation by floodwaters. Properties outside the SFHAs are not immune from flood risks, they are just simply at lesser risk. Arcata California flood insurance is very important.

So what is a forward-thinking, well-prepared resident of Arcata to do? If a business or property is not currently covered by flood insurance, property owners should consider purchasing a policy through one of two sources. The first source is the National Flood Insurance Program (NFIP). This is a government-backed program which is offered to consumers through private insurance agencies. Policies offered through the NFIP are activated thirty days after approval, and coverage for the full replacement cost of a dwelling only.

The second source is the National Catastrophe Flood Insurance Program (NCIP.) The NCIP is underwritten by private insurers (Lloyd’s of London) and offered by certain agencies in the United States. This program offers policies that are activated fifteen days after approval, replacement cost coverage for both the dwelling and the contents within, and coverage for additional property structures such as decks and carports.

When deciding what type of policy to purchase, property owners should consider the value of their property, the value of the contents in and around the property, the type and amount of coverage offered by each program, and the policy premium. There are many variables when it comes to choosing an appropriate policy, meaning that there is no right choice for each property owner in Arcata.

Residents of Arcata have long been known for their progressive views on life and for taking action on those views. Purchasing a flood insurance policy to protect against flood damage-related costs in homes and businesses is one more way that the citizens of Arcata, California can be forward thinking and take action before a problem arises.

All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.

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