The costs for flood insurance can vary depending on the details of your circumstances and the amount and type of coverage you wish to carry. Your insurance agent should be able to explain your options and give you a quote.

The city has applied for the Community Rating System (CRS), a voluntary incentive program that recognizes floodplain management activities. Once approved, many OP property owners will be eligible for a discount on their flood insurance premiums, possibly as early as Oct. 1.