The National Flood Insurance Program (NFIP) allows homeowners, business owners, and renters in communities that participate in the NFIP to buy federally 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.
Many forms of disaster assistance, though, require that you have and keep flood insurance to qualify. Federal laws also require that property in high flood risk areas maintain continuous flood insurance. This will affect future owners.
You need to learn the specific requirements for your address and community.
Many licensed insurance agents write NFIP flood insurance, just like other property coverage. Contact your homeowners or property insurance agent to learn more. They can tell you what you qualify for and what the coverage options are.
Your community maintains a collection of Flood Insurance Rate Maps (FIRMs). These maps can help you learn if your property is located 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.