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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?
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			      Flood Risks and Costs
        
    
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          Moving into the High-Risk Zone
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          Elevation CertificatesWhat to do if you’re experiencing an increase in flood risk.
  an arror from moderate-to-low-risk to high-risk

If you’re experiencing an increase in flood risk – moving from the moderate- to low-risk flood area to the high-risk flood area – you may be required to have **flood insurance** if you have a government-backed mortgage.

If you don’t carry a mortgage, you should still **protect your investment with flood insurance due to the increased risk.**
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							**Contact your insurance agent** to find the lowest-cost coverage for your property.
              You may be eligible for flood insurance cost-savings.

To save money on flood insurance while protecting your investment, the National Flood Insurance Program (NFIP) offers a lower-cost flood insuranceoption known as the Newly Mapped Procedure.

Resources for building requirements in high-risk areas

For individuals looking for detailed information on building requirement in high-risk areas, like foundation openings, floodproofing, and break away walls, the NFIP issues technical bulletins on key topics annually.

Learn more about the NFIP’s Technical Bulletins and get the latest building information.





FEMA | National Flood Insurance Program
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