Flood insurance is designed to provide coverage for losses resulting from floods, including those caused by heavy rain, melting snow, hurricanes, and other natural disasters. It’s important to note that standard homeowners and renters’ insurance policies typically do not cover flood damage. As a result, flood insurance is essential to protect your home and personal property.


  1. Dwelling Coverage: This component of flood insurance covers damage to the structure of your home, including walls, flooring, and major systems like plumbing and electrical.
  2. Contents Coverage: Contents coverage extends protection to your personal belongings, including furniture, electronics, clothing, and appliances, which may be damaged or destroyed in a flood that are located on the main floor or above.
  3. Basement Coverage: Flood insurance can provide limited coverage for basements, including essential appliances like water heaters, furnaces, and other permanently installed equipment.
  4. Policy Limits: Flood insurance policies have specific coverage limits.
  5. Waiting Period: Most flood insurance policies have a 30-day waiting period from the time of purchase before coverage takes effect.
  6. Flood Zones: The Federal Emergency Management Agency (FEMA) designates flood zones based on the risk of flooding in a particular area. Premiums may vary depending on your location.

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Farmers Union Service Association, LTD,
1415 12th Ave SE
PO Box 2020
Jamestown, ND 58402

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3801 Memorial Hwy Ste. C.
Mandan, ND 58554

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4600 Kietzke Lane A-107
Reno, NV 89502

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