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      EnglishEspañolFrançaisKreyòlTiếng Việt简体中文한국어  Floods & Maps
                          Floods & Maps

                      Flood Insurance
              
                                  
            
    Find an Insurance Form
                  
                                        
                    
          
                    
                                          Work with National Flood Insurance
                  
                                        
                    
          
                    
                                          NFIP’s Pricing Approach
                  
                                        
                    
          
                    
                                          Insurance Outreach Publications
                  
                                        
                    
          
                    
                                          Rules and Legislation
                  
                                        
                    
          
                    
                                          Flood Insurance Advocate
                  
                                        
                    
          
                    
                            
                                        
                    
          
                    
                            
                                        
                    
          
                    
                            
                                                                          Floodplain Management
                                                Flood Maps
                                                Know Your Risk
          Flood Insurance
                                    The National Flood Insurance Program provides insurance to help reduce the socio-economic impact of floods.
                                                              Illustration of a home in a flood with a health shieldworld globeEnglish
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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 and the NFIP Direct.



Floods can happen anywhere — just one inch of floodwater can cause up to $25,000 in damage. Most homeowners insurance does 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.



alert - infoFor more information about what’s covered and to find a policy visit **FloodSmart.gov****.**



Become a Customer



How to Purchase Flood Insurance



To purchase flood insurance, call your insurance company or 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.



FloodSmart.govExternal Link Arrow



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 private insurance companies participate in the Write-Your-Own (WYO) program selling and servicing NFIP policies through their insurance agents.



FEMA retains responsibility for underwriting flood insurance coverage sold under that program and by the NFIP Direct. There are more than five million policyholders nationwide and the NFIP is the nation’s largest single-line insurance program providing nearly $1.3 trillion in coverage against flood.



NFIP DirectExternal Link Arrow



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.



Find an Insurance Form



Insurance Outreach Publications



Flood Insurance Fact Sheets



Starting Your Recovery After a FloodWind Damage vs Water Damage: What You Need To Know When Filing A ClaimWhat Does Flood Insurance Cover In A Basement?Work with the NFIP



We provide reports on the National Flood Insurance Program's (NFIP) financials and offer guidance on conducting daily operations for existing and new NFIP sellers and servicers. Find information on the Write-Your-Own program, reinsurance, NFIP’s pricing approach, plus the Flood Insurance Manual and other 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



Media Resources



Find resources members of the media can use ahead of flood events. Access the history of the NFIP, facts about the program, information on flooding and flood risk, guidelines for using the logo, and more.



Media ToolkitExternal Link Arrow



Contact



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.
Last updated September 27, 2023

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