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         U.S. Department of Homeland Security - Federal Emergency Management Agency - National Flood Insurance Program

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      Buying a Policy
          
                                	
			      Buying a Policy
        
    
              Why Buy Flood Insurance
              Am I Required to Have Flood Insurance?
              What’s Covered
              Types of Flood Insurance
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              Before and After a Flood
          
                                	
			      Before and After a Flood
        
    
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          Am I Required to Have Flood Insurance?
          What's Covered
          Types of Flood Insurance
          How to Buy Flood Insurance
          Find an Insurance ProviderTypes of flood insurance
  With flood insurance from the National Flood Insurance Program (NFIP), there’s **no need to shop around for the lowest rate.**

NFIP's pricing approach, Risk Rating 2.0, leverages industry best practices and cutting-edge technology to enable FEMA to deliver rates that are actuarially sound, equitable, easier to understand, and better reflect a property’s individual flood risk.

The modernized rating methodology allows FEMA to equitably distribute premiums across all policyholders based on the value of their home and the unique flood risk of their property.

To provide more equity, FEMA now has the capability and tools to address rating disparities by incorporating more flood risk variables. These include flood frequency, multiple flood types—river overflow, storm surge, coastal erosion, and heavy rainfall—distance to a water source and property characteristics such as elevation and the cost to rebuild.

The NFIP partners with more than 50 insurance companies and thousands of independent agents across the country to **offer the same affordable NFIP rates** and crucial insurance coverage.

No matter what insurance provider you use or what state you live in, **you will get the coverage you need at a rate you can trust.**

Get the coverage that’s right for you.

Whether you’re a homeowner, business owner, or renter, the NFIP offers flood insurance coverage to help you protect the life you’ve built. Work with your insurance agent to learn more about coverage amounts, deductibles, and policy costs.

Which of the following best describes you?
              I'm a homeowner. 

                        
                      
                        I'm a business owner. 

                        
                      
                        I'm a renter.If you own your home – including condominiums and townhouses – the NFIP offers flood insurance policies to cover your home’s **structure and belongings.**

**What’s covered:** Your foundation, electrical and plumbing, finishings, appliances, electronics, personal belongings, and more.
	**Coverage limits:** $250,000 for the building and $100,000 for the building contents. These are typically purchased separately with separate deductibles.
                                            If you’re a business owner, the NFIP offers **commercial flood insurance** policies to help protect your business’s structure and equipment.

**What’s covered:** Your foundation, electrical and plumbing, finishings, equipment, furniture, inventory, and more.
	**Coverage limits:** $500,000 for the building and $500,000 for the building contents. These are typically purchased separately with separate deductibles.
                                            If you’re a renter, the NFIP offers affordable, renters flood insurance to protect the things you care about in the event of a flood. Ask your landlord to be sure he/she has coverage for your building.

**What’s covered:** Your furniture, clothes, television, computers, rugs, artwork, and more.
	**Coverage limits:** $100,000 for contents-only coverage. Starting policy costs: $99/year


**Buy flood insurance today.** Call your insurance agent, the same person who sells your home or auto insurance. Need help finding an insurance provider? Use the NFIP’s insurance provider locator.
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FEMA | National Flood Insurance Program
                        500 C St SW,
            Washington,
            D.C.
            20472 Disaster Assistance:
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