With torrential rains spawning flooding throughout Western Washington, it's important to note that standard homeowners insurance policies typically do not cover flooding.

However owners whose homes are most at risk of flooding may be able to buy special coverage through the National Flood Insurance Program.

"NFIP studies show that people living in flood plains are 27 times more likely to experience a flood during their 30-year mortgage than they are to have a fire," said Karl Newman, NW Insurance Council president, in a statement.

The insurance council recommends homeowners contact their city or county government's building department to see if their home is in a flood plain.

Owners who are at risk for flooding should consider buying as much flood coverage as they can afford, the Insurance Council recommends.

Primary homes (not vacation residences) insured for at least 80 percent of their value, or the maximum allowed, get replacement cost coverage.

There's normally a 30-day waiting period from the time a policy is purchased until coverage begins.

The Insurance Council has two flood brochures available by request through its website. They are "Flood: Are You Protected From the Next Disaster?" and "Things You Should Know About Flood Insurance."

The brochures also are available by calling the council at 800-664-4942.