The Village of Deerfield is a participating member of the National Flood Insurance Program (NFIP). Anyone can purchase flood insurance through their local insurance agent via the NFIP. There is a 30 day waiting period for flood insurance coverage to begin. A property located within a Special Flood Hazard Area (SFHA) has a 26% chance of being damaged by a flood over the life of a 30-year mortgage. Your homeowner’s insurance will not cover flood damages. This is why flood insurance is mandatory for all federally backed mortgages, when a property that is located within a Special Flood Hazard Area (SFHA). The Village of Deerfield participates in FEMA's "Community Rating System" which can further reduce flood insurance premiums.
If you want to know if a property is in the Special Flood Hazard Area, check out the Federal Emergency Management Agency (FEMA)'s website. You can also call the Building Department at 847-719-7484, or the Engineering Department 847-317-2490 with your floodplain questions. The Building Department has copies of FEMA elevation certificates for all buildings constructed in the floodplain since 1987.