When voluntarily purchased, your flood policy will have a 30-day waiting period. Here are the only exceptions:
- If a building is located in a newly-designated Special Flood Hazard Area (SFHA), and flood insurance is being purchased within the 13-month period following a map revision.
- If you purchase flood insurance in connection with making, increasing, extending or renewing your mortgage loan.
- If an additional amount of insurance is selected as an option on the renewal bill.
- If a property is affected by flooding on burned federal land that is a result of, or is exacerbated by, post-wildfire conditions when the policy is purchased within 60 days of the fire containment date.