Because no retrofitting measure is foolproof, especially against higher, less frequent floods, flood insurance is recommended. If you don't have flood insurance, talk to your insurance agent.
Homeowner's insurance policies do not cover damage from floods. However, because Cascade County participates in the National Flood Insurance Program (NFIP), you can purchase flood insurance to protect your property against the hazard of flooding. Residents and business owners receive a discount on their flood insurance premiums because of the City's participation in the NFIPs Community Rating System.
Most property insurance policies do not cover damage caused by flooding. In most cases, there is a 30-day waiting period after you purchase a flood policy before coverage is in effect, so don't wait to secure a flood policy until a flood is threatening.