(Minnesota) — The Minnesota Department of Commerce says less than eleven-thousand homes in the state are protected by flood insurance, leaving many homeowners vulnerable to potential water damage.
Homeowners can purchase add-ons to their insurance policies for some types of flooding, such as sewer water backup coverage.
However, for protection against significant flooding, a separate policy through the National Flood Insurance Program is necessary, with an average cost of 400 dollars per year.
The department urges all homeowners to consider flood insurance, even those living outside high-risk areas, as recent trends show increased flood claims from unexpected rain events.
