The City’s participation in the National Flood Insurance Program (NFIP) makes federally backed and discounted flood insurance available for all residents. Flood insurance covers direct losses caused by surface flooding, due to either a creek overflowing its banks or a local drainage event. Regular homeowner’s insurance does not cover damage caused by floods.

Floodplains have natural and beneficial functions if they are preserved and maintained properly, including, minimizing flood damage by allowing water to spread over a larger area. The City has a permitting process when someone wants to build in the floodplain and a floodplain permit is required before any development take place in a floodplain. If any improvements are made to your property that exceed more than 50% of the value of the building, the new construction must be elevated above the base flood elevation.

Safety should be the first priority during a flood. Never walk through flowing water or walk through standing water unless you are certain of the depth of the water. Six inches of moving water can knock you off your feet. Do not drive through flooded areas; more flood victims drown in their cars than anywhere else. If your home has been flooded, shut of the gas and electricity if you are able.

Homeowners, realtors, lenders, and insurance agents can obtain current and historical flood information by visiting City Hall or contacting the Planning Division at 303-335-4592 or Planning@LouisvilleCO.gov. This includes copies of floodplain maps and Elevation Certificates, information on past flood events, flood protection advice, and information on if a property is located in a floodplain. The City also offers site visits for advice on floodplain issues related to their property. Additional information can be obtained from FloodSmart.gov and FEMA.gov/NFIP.