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Flood Insurance

It doesn’t matter if you live in a flood plain, every property owner is susceptible to flood damage and your current insurance probably doesn’t cover it. Let us give you a quote today!

What is Flood Insurance?

Flood insurance is the specific insurance coverage against property loss from flooding. To determine risk factors for specific properties, insurers will often refer to topographical maps that denote lowlands, floodplains and floodways that are susceptible to flooding.

More About Flood Insurance

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Nationwide, only 20% of American homes at risk for floods are actually covered by flood insurance.

Most private insurers do not insure against the peril of flood due to the prevalence of adverse selection, which is the purchase of insurance by persons most affected by the specific peril of flood.

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Flooding is defined by the National Flood Insurance Program as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property) from: Overflow of inland waters, unusual and rapid accumulation or runoff of surface waters from any source, and mudflows

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This can be brought on by landslides, a hurricane, earthquakes, or other natural disasters that influence flooding, but while a homeowner may, for example, have earthquake coverage, that coverage may not cover floods as a result of earthquakes.

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CLATSKANIE BRANCH

Address: 225 E Columbia River Hwy,
Clatskanie, OR 97016
Phone: (503) 728-4391
Toll-free: (877) 362-4391
Fax: 503-728-3113
Hours: 8:00AM-5:00PM

Mailing Address: P.O. Box 777, Clatskanie OR 97016

Scappoose Branch

Address: 52381 S Columbia River Hwy,
Scappoose, OR 97056
(InsideWauna FCU)

Phone: (503) 543-5636
Hours:: 8:00AM-5:00PM
Fax: 503-728-3113

Mailing Address: P.O. Box 777, Clatskanie OR 97016

Portland Branch

Address: 16455 SE Division St,
Portland, OR 97236
Phone: (503) 728-4391
Hours:: 8:00AM-5:00PM
Fax: 503-728-3113

Mailing Address: P.O. Box 777, Clatskanie OR 97016

 

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