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Your current insurance agent can help you get flood insurance. Most companies can write a NFIP flood insurance policy for you. If you need more help, www.FloodSmart.gov can provide you with names of local agents that provide NFIP flood insurance. You may also call the toll free number (888) 379-9531 to ask for a flood insurance agent referral.

• North Carolina’s Flood Risk Information System (FRIS)
• North Carolina Flood Mapping System 
• For official floodplain determinations (mortgages, flood insurance rates, site development), contact the Town Manager by emailing dbarrick@rutherfordton.net. Please provide telephone number, your address, site inquiry address, and a complete description of your request.

Flood insurance is an important part of protecting your property. Property in a mapped floodplain is five times more likely to be damaged by a flood than by a fire. There is a 26% chance that such a property will be flooded during a 30 year mortgage.

In NFIP communities, the federal government requires flood insurance for buildings in a Special Flood Hazard Area that are financed through a federally backed mortgage or loan. (Lenders may require flood insurance for other types of loans as well.)

If you live outside a mapped floodplain your property may still be damaged by a flood. About 25% of all flood damage occurs outside mapped flood zones. Standard home insurance policies do not cover flooding due to rising waters.