Flood Insurance
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Floods can happen anywhere — just one inch of floodwater can cause up to $25,000 in damage. Most homeowners insurance do not cover flood damage. Flood insurance is a separate policy that can cover buildings, the contents in a building, or both, so it is important to protect your most important financial assets — your home, your business, your possessions.
The NFIP provides flood insurance to property owners, renters and businesses, and having this coverage helps them recover faster when floodwaters recede. The NFIP works with communities required to adopt and enforce floodplain management regulations that help mitigate flooding effects.
Flood insurance is available to anyone living in one of the almost 23,000 participating NFIP communities. Homes and businesses in high-risk flood areas with mortgages from government-backed lenders are required to have flood insurance.
The National Flood Insurance Program (NFIP) is managed by the FEMA and is delivered to the public by a network of more than 50 insurance companies.
How to Purchase Flood Insurance
To purchase flood insurance, call your local insurance agent, the same person who sells your home or auto insurance. If you need help finding a provider go to FloodSmart.gov/flood-insurance-provider or call the NFIP at 877-336-2627.
Plan ahead as there is typically a 30-day waiting period for an NFIP policy to go into effect, unless the coverage is mandated it is purchased as required by a federally backed lender or is related to a community flood map change.
Flood Insurance Resources
NFIP offers a wide range of publications, videos, graphics and online tools that help policyholders, agents and other servicers navigate the flood insurance process before, during and after disaster.
Digital resources can be downloaded, and certain print publications can be ordered for free using the Publications Order Form.
Understand NFIP Laws and Reform
Congress established the NFIP on August 1, 1968, with the passage of the National Flood Insurance Act (NFIA) of 1968, which has been modified over the years.
Learn about legislative changes to and the future of the National Flood Insurance Program.
See Rules & Legislation
What are Flood Zones and Maps?
Everyone lives in an area with some flood risk — it’s just a question of whether you live in a high-risk, low-risk or moderate-risk flood area.
Flood maps show a community’s flood risk. Flood zones are indicated in a community’s flood map. Do you know your flood zone and risk? Use the information below to learn about flood zones.