CARSON CITY, Nev. (MyNews4.com & KRNV) -- All home owners in a flood zone must have flood insurance. These policies, however, will not help rebuild the damage from flash floods over the weekend.
"There are parts in the country that are susceptible to floods like this," said Nevada Insurance Commissioner Scott Kipper. "Maybe one in 100 years, maybe one in 20 years."
Kipper said the flood insurance program is federally run.
Carson City Farmers Insurance Agent Dan McCraw said flood insurance protects your home, but not the surrounding property. McCraw even said there is no policy that he knows of that covers a yard from damage. "Flood insurance is an excess of water that is flowing that is normally dry land."
The National Flood Service also said mud run-off is the result of floods, and therefore is covered only by flood insurance. "25 to 30 percent of all flood claims are from non-flood zone areas and the reason is for the flash floods that just happened."
FEMA maps out which areas are at high risk of flooding. The organization then requires flood insurance for home owners in those lines.