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1. What is a 100-year flood?

A 100-year flood is the flood event that has a 1% probability of happening in any given year. However, this does not mean that it will only happen once every 100 years. This area has had multiple 100-year rainfall events in the last 30 years.

2. Am I eligible to purchase flood insurance?

Yes. The City of Edina participates in the National Flood Insurance Program which means anyone residing in Edina is eligible to purchase a National Flood Insurance Program flood insurance policy.

The agent who helps you with your homeowners or renters insurance may also be able to help you with purchasing flood insurance. Or see FEMA's Find a Flood Insurance Provider to locate one.

If your insurance agent does not sell flood insurance, you can contact the National Flood Insurance Program Help Center at 800-427-4661.

3. Who needs flood insurance?

MYTH: Only residents of high-risk flood zones need to insure their property. 

FACT: Even if you live in an area that is not flood-prone, it is advisable to have flood insurance. Anyone can be financially vulnerable to floods. People outside of high-risk areas file more than 25 percent of National Flood Insurance Program claims. The National Flood Insurance Program’s preferred-risk policies are designed for residential properties located in low- to moderate-risk flood zones.

More Myths and Facts about Flood Insurance in this fact sheet.