Brazos County, Texas homeowners, business and residential renters, and business owners who do not have flood insurance are encouraged to buy coverage now to get the best possible premiums before new flood insurance rate maps go into effect.

The new Brazos County flood maps become effective on Wednesday, May 16 giving those who haven't purchased flood insurance yet, time to get the best possible premiums to protect their property from potential flooding.

"While many people are required by mortgage and lending companies to have flood insurance, FEMA and the National Flood Insurance Program (NFIP) strongly recommend that everyone have flood insurance," said Region 6 Administrator Tony Russell. "The reason is simple: You don't have to be in a mapped floodplain to flood."

Current policy holders and those planning to purchase NFIP protection are strongly encouraged to contact their insurance agent or company to ensure that they have adequate coverage for building and contents that accounts for new flood risk data.

Those who purchase flood insurance prior to May 16 may be able to grandfather the current flood zone, saving money on flood insurance. For more information on estimated rates for flood insurance, whether you are eligible for grandfathering, and the Preferred Risk Policy extension, or to locate an agent in your area, visit www.floodsmart.gov

Anyone who hasn't had a chance to participate in local flood insurance meetings or to review the new flood maps is encouraged to contact their floodplain administrator who is most likely located at City Hall or the local courthouse.

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