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Flood Insurance

Banbury Meadow Residents,

Last week the HOA Board took unprecedented measures to contract for an emergency snow removal of Banbury Meadows.   After a series of snowfalls that caused the greatest accumulation of snow in memory, the Board deemed it was an emergency to remove the snow from our streets.  The Board was concerned about personal safety, ability to access and egress the subdivision, as well as the possibility of localized flooding caused by rain and warmer temperatures.   We are extremely pleased that we have eliminated all these near term concerns with our snow removal decision.  However, we are only in the middle of this snow season.

Recent local media discussions regarding flooding have resulted in several members of Banbury Meadow asking the Board about Flood Insurance.  Flood insurance is a personal decision, the Board is not making any recommendations as to whether it is prudent to purchase or not to purchase such coverage by members of our community.  However, as a service to our membership the Board is providing you the following information:

-  Flood damage is generally not covered by normal Homeowners Insurance policies.  Flood insurance is purchased from the Federal Emergency Management Agency (FEMA) through your normal Homeowners Insurance Agent.    Costs vary depending on how much insurance is purchased, what it covers and the property's flood risk. Typically, there's a 30-day waiting period from date of purchase before your policy goes into effect.

-  The City of Eagle participates in the National Flood Insurance Program (NFIP) under the guidelines of the Federal Emergency Management Agency (FEMA).  This program allows residents of Eagle to purchase flood insurance that is underwritten by the Federal Government.

-  The City of Eagle also participates in the Community Rating System (CRS) program. The City has copies of the Flood Insurance Rate maps, Flood Study Data and serves as a repository for all revisions to the maps.  You can access the City's flood website at http://www.cityofeagle.org/index.asp?SEC=22D50068-B17C-409D-817B-1192247F15E2&Type=B_BASIC

If you have any questions regarding flood zone hazards, recommend you contact the City of Eagle.  If you are interested in purchasing flood Insurance, please contact your local Homeowners Insurance Agent.

Should you need further information or details concerning this matter, please contact Brenda Hines, our DSI Association Manager at (208) 939-6000 or [email protected].

Thank you.


Board of Directors

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