Floods can happen anywhere — just one edge of floodwater can cause up to $ 25,000 in damage. Most homeowners indemnity does not cover flood price. Flood indemnity is a separate policy that can cover buildings, the contents in a build, or both, so it is significant to protect your most authoritative fiscal assets — your dwelling, your business, your possessions .
The NFIP provides flood policy 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 flood effects .
Flood insurance is available to anyone living in one of the 23,000 participating NFIP communities. Homes and businesses in bad flood areas with mortgages from government-backed lenders are required to have flood indemnity.
Reading: Flood Insurance
For more information about what ’ randomness covered and to find a policy visit FloodSmart.gov .
Become a Customer
How to Purchase Flood Insurance
To purchase flood indemnity, call your indemnity company or indemnity agentive role, the same person who sells your home or car indemnity. If you need help finding a supplier run to FloodSmart.gov/flood-insurance-provider or call the NFIP at 877-336-2627 .
plan ahead as there is typically a 30-day expect period for an NFIP policy to go into effect, unless the coverage is mandated it is purchased as required by a federally bet on lender or is related to a community flood map change .
Become a Seller and Servicer
Work With the NFIP
FEMA administers the NFIP and it is a partnership between the federal government, the property and casualty insurance industry, states, local officials, lending institution, and property owners .
Each year, more than 50 individual policy companies participate in the Write-Your-Own ( WYO ) program betray and servicing NFIP policies through their policy agents .
FEMA retains duty for underwriting flood indemnity coverage sold under that broadcast and by the NFIP Direct. There are more than five million policyholders nationally and the NFIP is the state ’ second largest single-line insurance course of study providing closely $ 1.3 trillion in coverage against flood .
Flood Insurance Resources
NFIP offers a wide range of publications, videos, graphics and on-line tools that help policyholders, agents and other servicers navigate the flood policy summons before, during and after disaster. Digital resources can be downloaded, and certain print publications can be ordered for free .
Find an indemnity form
insurance Outreach Publications
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Flood Insurance Fact Sheets
Work with the NFIP
We provide reports on the National Flood Insurance Program ‘s ( NFIP ) financials and offer guidance on conducting casual operations for existing and new NFIP sellers and servicers. Find information on the Write-Your-Own platform, reinsurance, Risk Rating 2.0, plus the Flood Insurance Manual and early tools .
View All Programs and Tools
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
Find resources members of the media can use ahead of flood events. Access the history of the NFIP, facts about the program, information on flood and flood tide gamble, guidelines for using the logo, and more .
Questions About Policies
Call your agent .
Complex Cases or Issues
Call your agent or reach out to the Office of the Flood Insurance Advocate .
Questions About the NFIP
Contact the Call Center .