By: Fairfield Sun Times
Insurance Commissioner Matt Rosendale is advising Montanans to prepare for flooding by purchasing flood insurance well in advance of warmer temperatures.
Flood insurance policies typically do not take effect until 30 days after purchase, so people should plan ahead for properties at risk of flooding.
“People living near rivers or streams should be especially mindful, as ice jams can cause flooding earlier in the season than many expect,” Rosendale said. “One ice jam on the Yellowstone a few years ago flooded about 800 acres of our ranch pasture and nearly came up to our house.”
Flooding is the number one natural disaster in the United States and there are many misconceptions about flood insurance. There is no guarantee that floods will be declared a disaster to open up federal assistance. Most homeowner’s policies do not cover flood insurance, and about 20 to 25 percent of all flood claims come outside of a high-risk flood area.
Read more at the Fairfield Sun Times