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Flood season is upon us, do you have insurance?

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As temperatures rise and snow begins to melt, the state Department of Commerce is reminding Minnesotans to determine if they need flood insurance coverage sooner than later.

Standard homeowners insurance policies don't cover flood damage and special plans backed by the National Flood Insurance Program can take 30 days to go into effect, according to a news release.

The average flood insurance premium is $400 per year depending on where you live and the coverage you choose. It could be higher, but in low- to moderate-risk areas, coverage can be purchased for just over $100.

On Friday, WCCO warned of flooding concerns this weekend: snowmelt contributing to higher river flows; ice jams in rivers; and low-lying areas with poor drainage and snow-blocked drains.

Flooding is expected on some Twin Cities roadways, the Star Tribune says.

The Army Corp of Engineers was in Fargo this week measuring the snow's water content to get a more accurate picture of what flood season will look like.

The risk of "major" flooding is higher for most locations in the Red River Valley because of recent snow. Major flooding as defined by the National Weather Service does not pose significant risk for the communities.

MPR reports there's still only a 5 percent chance the Red River will reach a water level requiring a lot of sandbags or emergency levees.

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Related

NWS: Small chance of "major" Red River flooding

This year's brown Christmas may have a silver lining for some living along the Minnesota and North Dakota border. The National Weather Service's (NWS) first flood forecast says there's only a small chance of "major" flooding along the Red River next spring. But city officials on both sides of the river say it’s still too early to tell for sure. The NWS will release its next flood forecast at the end of January.

Most Minnesotans lack flood insurance

In all of Duluth, only 111 flood insurance policies have been sold, according to Kris Eide, director of the Minnesota Homeland Security and Emergency Management office. Whether victims will get some state or federal disaster aid depends on the type of emergency that’s ultimately declared.