With near-record rainfall reported locally this month already, many property owners are inquiring about flood insurance.  Nicole Kirsten of  Robertson, Ryan & Associates in Kewaunee says homeowner should check on their existing insurance policy.  She says if you live in a flood zone a separate policy is typically needed.

Kirstin says many policy coverage caps vary with the worth of your home and its contents.  She adds that flood insurance is mandated through the federal government and premiums should be quoted at the same price based on your specific address and flood zone information.   New flood insurance policies require a 30-day window before coverage becomes active.