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7 <br />Online Bill Pay Now Available! <br />National Flood Insurance <br />Program <br />The National Flood Insurance Program aims to <br />reduce the impact of flooding on private and <br />public structures. It does so by providing <br />affordable insurance to property owners, renters <br />and businesses and by encouraging communities <br />to adopt and enforce floodplain management <br />regulations. These efforts help mitigate the effects <br />of flooding on new and improved structures. <br />Do You Need Flood Insurance? <br />Here are some important facts to keep in mind: <br />•Homeowners and renters insurance does not <br />typically cover flood damage. <br />•Approximately 50% of flood damage occurs <br />outside mapped flood zones, often due to <br />stormwater flooding. <br />•Anyone who lives in a community that <br />participates in the National Flood Insurance <br />Program (NFIP) can buy flood insurance. More <br />than 95% of all Minnesotans live in a community <br />enrolled in NFIP <br />Flood insurance plans typically have a 30-day <br />waiting period before they pay, so residents <br />are urged to buy a flood insurance policy <br />before the Springtime. <br />For more information visit www.Floodsmart.gov <br />Winter Parking Ordinance <br />Now in Effect <br />Winter parking ordinance prohibits parking on Lake <br />Elmo Streets from Nov. 1 through March 31 between <br />2:00 AM and 7:00 AM. <br />Public Works can't clear the roadways with cars <br />blocking their paths. <br />The City of Lake Elmo wants your input! <br />The City is using Polco, a community <br />engagement tool, to gather feedback from <br />residents on topics like parks, budgeting, <br />amenities, and everything in between. Visit <br />www.polco.us/lakeelmo and create an account!