Flooding is the most common natural disaster in the United States. Flooding can occur both during and after heavy storms or periods of extended heavy rainfall. While the City of Prattville annually maintains and upgrades drainage ways throughout the city, storm drains do not eliminate the flooding risk in areas near streams and drainage ways. Homeowner's insurance policies do not cover losses due to flooding. Prattville’s participation in the National Flood Insurance Program makes flood insurance available for any homeowner or renter in the city or county. Information about flood insurance may be obtained from your local insurance agent, by visiting www.floodsmart.gov, or by contacting the Planning Department. You do not have to live in a designated or regulated flood zone to purchase flood insurance. A thirty (30) day waiting period exist before a new flood insurance policy goes into effect. No flood losses will be covered during the waiting period.