City of Independence, Missouri

National Flood Insurance Program

In an average year floods kill 150 people and cause over $3 Billion in property damage. Standard homeowners/renters/business insurance does not cover flood damage. However, flood insurance to provide protection from the floods associated with hurricanes, tropical storms, heavy rains and other conditions that impact the country is available to protect individuals and companies and their property in communities that participate in the National Flood Insurance Program administered by FEMA.

In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves. Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding.

Citizens of Independence are eligible to participate in this program because of the various programs implemented by the City such as open space preservation, land development criteria, flood data maintenance, and stormwater management. Because of these activities, Independence has been rated at a level seven, which makes those in flood plains eligible for a 15 percent discount on their insurance.

Independence Emergency Preparedness Manager Mark Widner said citizens who wish to participate should call the City's Floodplain Manager Scott Green at 816-325-7618. Green can help citizens find out if their property is in the floodplain.

For information on the National Flood Insurance Program visit

The following web sites are provided for additional information regarding flood hazards, flood warnings, flood zone maps, flood preparation, flood clean up and recovery.

National Flood Insurance Program Web links