Because the City of St. Charles is a participating member of the National Flood Insurance Program (NFIP), anyone can purchase flood insurance through his or her local insurance agent via the NFIP. There is a 30-day waiting period for flood insurance coverage to begin.
A home located within a Special Flood Hazard Area (SFHA) has a 26% chance of being damaged by a flood over the life of a 30-year mortgage, and your homeowner’s insurance will not cover flood damage. Please check with your insurance agent and mortgage company regarding the insurance and mortgage requirements for buildings in the floodplain.
Your home does not have to be in a flood zone to get flooded. Flood insurance is available at a reduced rate for these properties. Also, the City of St. Charles currently has a FEMA “Community Rating System” rating of 5, which helps to further reduce insurance premiums. For more information contact the Public Works Engineering Division at 630-377-4486.