House flooded? You've got flood insurance, right?

DENVER - The shock of floodwaters inundating Boulder-area communities is only the first wave. The second is the post-disaster realization that insurance policies might not cover the damage.

The good news is that Boulder has the highest number of homeowners with flood-insurance polices -- 3,504 -- of any community in the state, according to the National Flood Insurance Program, an arm of the Federal Emergency Management Agency, which handles the bulk of the policies.

But with roughly 20,000 households in the city that are detached single-family homes, according to the U.S. Census Bureau, the shock of no coverage appears imminent for many.

"That little babbling creek can turn into a raging river in no time, as we're seeing in Boulder," said Carole Walker, executive director of the Rocky Mountain Insurance Information Association. "Understanding your coverage and its limits before you need it is very important."

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