Flood Insurance

National Flood Insurance Program
The National Flood Insurance Program makes federally guaranteed flood insurance available to property owners in communities which adopt and enforce floodplain management regulations. The City of Wheat Ridge participates in this program and has been able to have insurance rates reduced due to our floodplain regulations and procedures. Only federal flood insurance reimburses you for flood damage to your home, property and belongings.

What You Need To Know
Flood insurance covers:
  • Structural elements, including walls, floors, equipment, and fixtures
  • Contents, such as furniture, appliances, carpeting, and wall and floor coverings
  • Personal items such as clothing, stereos, and televisions
Flood insurance policies are sold through licensed insurance agents and companies. There is a 30-day waiting period for the flood insurance coverage to take effect. For information about the National Flood Insurance Programs, please contact your insurance agent or the Federal Emergency Management Agency.