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Expert warns residents about importance of buying flood insurance early | News

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Expert warns residents about importance of buying flood insurance early

LAS VEGAS -- Flood insurance protects residents after there's been a natural disaster, but there's an urgent warning from the Regional Flood Control District: Homeowners should purchase their flood insurance early.

Erin Neff with the Regional Flood Control District says flood insurance policies must be purchased at least 30 days before it takes effect. The insurance is highly encouraged in areas prone to flooding.

"If you live next to the Las Vegas wash, you might want flood insurance. Your house may never flood, but if that wash gets high enough, we don't know what could happen," Neff said.

Neff said flood insurance is even important if you're not in an official flood zone.

"For the average person, it might make sense to purchase flood insurance, it's something you should be thinking about right now," said Erin Neff, Regional Flood Control District.

Dianne Bach lived through last summer's floods in the northwest part of the valley. Record amounts of rain fell on a wildfire burn area miles away, causing the runoff to tear up roads and sweep away cars near W. Grand Teton Drive and N. Durango Drive.

Nearly a year and $18 million later, the cones have been put up, and the flood control project is nearly finished in the area.

"The community suffered for a few months getting the drains put in. There was a lot of detours and traffic," Bach said.

Homeowners usually pay around $3,000 a year for the required flood insurance, but it's worth it to protect your valuables. Insurance is far less for people outside of the flood zone. Sometimes it can be as little as $1 a day.

Neff said either way, flood insurance just makes sense because it gives you a peace of mind.

"You have to think about your home and what the things inside mean to you," Neff said.

The Regional Flood Control District has set up an easy website to determine if you live in or near a flood zone.