The Village of Somers has adopted ordinances to help reduce flood losses which were accepted by the National Flood Insurance Program (NFIP).

As a result, effective Dec. 9, 2019, Village residents are able to purchase flood insurance up to the limits under the Regular Phase program.

There is a 30-day waiting period before the insurance goes into effect.

• The limit for single-family dwellings is $250,000 for the building and $100,000 for its contents.
• Renters can also protect their belongings through the insurance program.
• The limit for commercial buildings is $500,000 for both the building and its contents.

Lenders must require borrowers using federally-backed mortgages to purchase flood insurance if the property is located in a designated flood hazard area.

The NFIP is implemented through the Federal Emergency Management Agency. There are over 5 million flood insurance policies in more than 22,000 participating communities nationwide.