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Salem, OR—As storms continue and local waterways rise, it is important to understand a few facts about flood.
• Flooding is the most common natural disaster
• One inch of water can cost $25,000 in damage
• More than 20% of flood claims come from homes outside high-risk flood zones
Unfortunately, a typical homeowners policy does not cover flood damage, however:
• Comprehensive coverage on a typical auto insurance policy will cover damage to your car caused by a flood.
• Some manufactured home policies cover flood damage.
• You can buy flood insurance through the National Flood Insurance Program (NFIP) and a few private insurers, but there is a 30 day waiting period.
If your home or car is damaged by flood:
• Make safety the top priority when surveying storm damage, avoid downed power lines and watch your step walking around storm debris.
• Save all receipts you obtain from hiring professionals or purchasing supplies to make temporary repairs.
• Record the highest water line on your car and DO NOT attempt to start a flooded vehicle until inspected by a professional.
For more information on flood insurance visit: or

About DCBS: The Department of Consumer and Business Services is Oregon's largest business regulatory and consumer protection agency. For more information, visit

About Oregon DFR:
The Division of Financial Regulation is part of the Department of Consumer and Business Services, Oregon’s largest business regulatory and consumer protection agency. Visit and

Contact information:
Brad Hilliard


Consumer Information