Program Description
The National Flood Insurance Program (NFIP) allows homeowners, business owners, and renters in communities that participate in the NFIP to buy government-backed flood insurance. This insurance helps cover repairs for flood damage to buildings and contents.
Federal flood insurance is not a disaster-assistance program. It is insurance to help property owners recover more quickly after a loss.
For many forms of disaster assistance, though, you must have and keep flood insurance to qualify. Under federal laws, property in high flood risk areas must keep continuous flood insurance. This will affect future owners.
You need to learn what you must have for your address and community.
Many licensed insurance agents write NFIP flood insurance, just like other property coverage. Contact your insurance agent to learn more. They can tell you what you qualify for and what the coverage options are.
Your community keeps a collection of Flood Insurance Rate Maps (FIRMs). These maps can help you learn if your property is in a high-risk or a moderate- to low-risk flood zone. You can also find these maps using the FEMA Map Service Center link below.
General Program Requirements
Visit the NFIP page to learn more.
Flood insurance is available to property owners and renters, even if you've had a claim before. Your community must participate in the NFIP for you to be able to get it.
You do not have to repay flood insurance payments.
Application Process
To learn more about your flood risk and flood insurance options, or to find a provider in your area, call or visit the pages below:
- Call 1-800-427-4661.
- Find a Flood Insurance Provider.
- Visit FloodSmart.gov for more information.