El Niño is coming.  Metorologists  and weather forecasters are predicting heavier rains and flooding this winter season in parts of California. The U.S. Climate Prediction Center has reported that it is 95% certain that  El Nino  will dramatically effect the weather this winter in the Northern Hemisphere, including California.

The California Department of Insurance is urging consumers and resident to consider purchasing flood insurance. Are you covered in case of flooding?

Standard homeowners insurance does not cover flooding. So if you have not purchased flood insurance from the National Flood Insurance Program (NFIP), you probably are not covered.  If your home is in an area at risk of flooding you should consider  purchasing flood insurance from the NFIP. Moreover, given the El Nino rain and precipitation predictions, you may want to consider obtaining flood insurance from NFIP even if your home is outside the  floodplain area. Be mindful that it takes 30 days from the date you purchase  the flood insurance before it goes into effect.
For further information you may wish to go to the NFIP website or https://www.floodsmart.gov
See also https://www.insurance.ca.gov/0400-news/0100-press-releases/2015/release102-15.cfm