Post-Wildfire Flood Insurance Information for Ruidoso Residents
Was Your Property Damaged by a Flood After a Wildfire?
If your property was damaged by a flood following a wildfire, understanding the nuances of the National Flood Insurance Program (NFIP) and the Post-Wildfire Exception can be crucial for getting the coverage you need. Here’s what you need to know:
National Flood Insurance Program (NFIP) Waiting Period
Most NFIP policyholders must wait 30 days after applying and paying their premium for coverage to become effective. However, an important exception exists for those impacted by wildfires: the Post-Wildfire Exception.
Post-Wildfire Exception Criteria
This exception can retroactively reduce the waiting period for the initial purchase of a flood insurance policy to one day if certain conditions are met. Use the following flowchart to determine if you qualify for this exception:
Was There a Fire That Impacted Federal Lands?
No: The Post-Wildfire Exception does not apply. You must wait 30 days.
Yes: Proceed to the next question.
Did You Purchase a Flood Insurance Policy Before the Fire Was 100% Contained or Within 60 Days of Containment?
No: The Post-Wildfire Exception does not apply. You must wait 30 days.
Yes: Proceed to the next question.
Was Your Building or Personal Property Damaged by a Flood?
No: The Post-Wildfire Exception does not apply. You must wait 30 days.
Yes: Proceed to the next question.
Was the Flood a Result of, or Worsened by, a Fire on Federal Lands?
No: The Post-Wildfire Exception does not apply. You must wait 30 days.
Yes: You may qualify for the Post-Wildfire Exception.
Reporting a Claim
If you believe you qualify for the Post-Wildfire Exception:
Contact your agent or insurer to report your claim.
Every claim is evaluated on a case-by-case basis.
Your insurer will assign an adjuster to investigate your loss, and that investigation will inform whether the Post-Wildfire Exception applies.
Contact Information
For more information, visit the FEMA National Flood Insurance Program® website or contact your insurance agent.
This information is essential for residents of Ruidoso to understand their flood insurance coverage and the potential benefits of the Post-Wildfire Exception. If you have any questions or need further assistance, please reach out to your local insurance agent or the NFIP directly. Stay informed and prepared to ensure your property and belongings are protected.
For continuous updates and further assistance, visit the Village of Ruidoso Municipal website and the South Fork Fire Information Hub.
