Only Flood Insurance Covers a Flood
The Village recommends the purchase of flood insurance as a means of protecting property owners and renters from the risk of flood losses. While the risk of flooding is greater in the regulatory floodplain (Special Flood Hazard Area), severe rain and local flooding can threaten all structures. In fact, 25% of flood insurance claims paid are for damages to properties outside the regulatory floodplain.
Only a few inches of water can cause major damage to your home and contents. FEMA's Flood Damage Calculator under Quick Links shows you what a flood could cost. FloodSmart provides information about your risk of flooding, what a flood insurance policy may cost and how find a local insurance agent.
Insure Your Contents Against a Flood
Ask your agent about adding contents coverage. Renters and condo owners, you can get contents only coverage too. FloodSmart is a good resource to learn about what is covered.
NFIP Newly Mapped Procedure
If your property has been newly mapped into the floodplain, you may take advantage of the Newly Mapped procedure. Buildings located in Zones X prior to August 1, 2019 and are newly identified to be in a high-risk area of Zone A or AE, may qualify for Preferred Risk Policy (PRP) rates for the first 12 months following the new map’s effective date. On renewal, the rates will transition to a full-risk rate. Learn more from FEMA about the Newly Mapped Procedure.
Floodplain Maps (Flood Insurance Rate Maps) are used to determine whether structures are located in the regulatory floodplain. These maps, along with the date the structure was built, elevation certificates, and other information, are used to establish insurance rates.
The Village has FEMA Elevation Certificates for many buildings constructed in the floodplain, especially those constructed after 1980. If you need a new Elevation Certificate, you must hire a professional land surveyor or civil engineer.
There are several surveying and civil engineering companies in Lisle that offer these services. For more information, please email or call 630-271-4107.
Community Rating System Discount
The Village participates in FEMA’s Community Rating System (CRS) Program. This program gives credit for the Village’s floodplain management regulations and other efforts. Owners of property in the regulatory floodplain are eligible for a 25% reduction on premiums; all other policies may receive a 10% reduction. Please check your policy and make sure you are receiving the discount.
Use FloodSmart to calculate your risk of flooding, learn what a flood insurance policy may cost and find local agents who offer flood insurance.