Flood Insurance

FEMA's National Flood Insurance Program has information on flood insurance.  Flood insurance can be purchased through your homeowner's insurance company or renter's insurance company.  It typically takes 30 days to take effect, so plan ahead so you're covered when you need it.

FEMA publishes flood plain information via the National Flood Hazard Layer (NHFL). To find out more, please visit the NHFL web mapping application.

To learn more about the NHFL and other FEMA flood information, visit the FEMA Flood Map Service Center

To be eligible for federal assistance under the Disaster Relief and Emergency Assistance Act, the President of the United States needs to declare the area a Federal Disaster Area. Things to be of:

  • Less than half of all flooding incidents result in a Presidential declared disaster.
  • Persons in a Federal Disaster Area are eligible for low cost loans (not grants).
  • Annual flood insurance premiums are less than the interest on a Federal disaster loan.

Top 10 Facts Every Consumer needs to know about the NFIP. This FEMA publication lists important facts about the benefits of having flood insurance for your home.

FloodSmart.gov helps you learn about flood risk and taking steps to financially protect homes and businesses from flood damage.

Disaster Assistance and Emergency Relief for Individuals and Businesses. This resource from the IRS provides information about getting financial help if you have damaged or lost property in a designated Federal disaster area.

Disclaimer: The information on this page is merely a summary of flood insurance information. For more information, contact your insurance agent.

Where to buy sandbags, sand, or gravel

Disclaimer: The City of St. Paul does not endorse one of these companies over another, nor does it verify the inventory of each.  The companies are listed in alphabetical order.  More companies or stores may offer these products for purchase as well.  This information is gathered and presented as a courtesy and for informational purposes only.

North Dakota State University has information online about how to build a sandbag dike, along with the proper design, location and how many sandbags you might need. 

Dike Design

Dike graphic


Last Edited: March 19, 2019