NFIP flood insurance generally has a 30-day waiting period before coverage begins, so you can’t buy a policy when a storm is in the forecast and expect it to cover that storm.
There are exceptions: coverage bought in connection with a new mortgage or loan closing can start right away, and certain flood map changes allow a shorter wait. Private flood policies may have shorter waiting periods, depending on the carrier.
California’s rainy season generally runs from November through March, and big snowpack years can bring high river flows into late spring. The best time to buy flood insurance is in the late summer or early fall.
Questions about your own policy? Elye Insurance in Mission Viejo helps homeowners and drivers across California and Nevada compare options from multiple carriers.
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