Susanville California Flood Insurance

Located near the California-Nevada border in Lassen County sits the lovely city of Susanville. Named after the daughter of an early settler, this picturesque locale is called home by nearly eighteen thousand inhabitants. Natural beauty abounds in and around Susanville, with fields, trees, mountains, and creeks combining for a stunning effect. Natural features such as the creeks in Susanville can certainly be alluring to the eye, but every once in awhile, these natural features can cause some headaches for residents of the city.

Any time water is around, there is the potential for flooding under the right circumstances, and Susanville is no exception. The city has several areas classified as Special Flood Hazard Areas (SFHAs) by the Federal Emergency Management Agency (FEMA). These areas are considered to be at high risk for flooding, and properties located within them are required to be covered by flood insurance. Areas classified as SFHAs in Susanville are along the Barry Reservoir and the following creeks: Barry, Piute, South Barry, and Susan. FEMA has labeled these SFHAs as Zones AE or AH (depending on location), indicating that flood waters would typically be between 1-3 feet in depth.

With so many properties at risk, and many required to be covered by insurance policies, property owners in Susanville should carefully consider their options and make an informed decision as to which policy would best fit their insurance needs.

One option for flood insurance is purchasing a policy through the National Flood Insurance Program (NFIP). This program is backed by the government, with policies obtainable through private local, regional, and national flood insurance agents. Before a policy is approved, applicants must obtain an elevation certificate for the property and make any required modifications that could mitigate flood risks. Activation of the policy would occur thirty days after approval. One benefit of this program is the premium subsidies made available through the government, a step that can make the premium more affordable for some.

A second option for Susanville residents is a policy made available through the National Catastrophe Flood Insurance Program (NCIP.) The NCIP is underwritten by a private insurer and offered by private insurance agencies. Application guidelines are not as stringent for the NCIP, as no certificates are required. Once approved, activation of the policy occurs within fifteen days. Depending on the type and value of the property, the NCIP may be more alluring to some property owners due to the fact that it provides a higher maximum coverage ceiling.

Flood related damage can easily cost an individual property owner hundreds of thousands of dollars. Obtaining a flood insurance policy may not be high on the list of priorities for home and business owners when the skies are sunny and the weather is mild, but it only takes one storm to cause much havoc. Taking the time to evaluate insurance needs now, before a problem occurs, is one simple way to protect assets and provide peace of mind. Contact us now for more information about Susanville California flood insurance.

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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