ST. PAUL, Minn. (AP) — The state Department of Commerce is warning Minnesotans to review whether they might need flood insurance as winter heads toward spring.

The agency points out that flood damage is not covered under a standard homeowner’s insurance policy. Warming temperatures along with heavy snowfall totals in February and early March make flooding a strong possibility in many parts of the state.

Flood insurance is a special policy offered through the National Flood Insurance Program. Consumers can check with their insurance agent to see if it’s available through them. Flood insurance has a 30-day period after purchase before it becomes effective.

Homeowners should also be aware whether their home falls in a 100-year floodplain or a 500-year floodplain. However, that is not a requirement in order to purchase the insurance.

(© Copyright 2013 The Associated Press. All Rights Reserved. This material may not be published, broadcast, rewritten or redistributed.)