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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
              How to Buy Flood Insurance
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              Renewing a Policy
          
                                	
			      Renewing a Policy
        
    
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			      Flood Risks and Costs
        
    
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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 ProviderWho's required to have flood insurance?
  Whether you live inside or outside of the high-risk flood area, if you own property you should consider purchasing flood insurance for the **protection and peace** of mind it brings.

However, many property owners, particularly those in high-risk flood areas, may be required to have flood insurance.

Do you have a mortgage?

Homes and businesses in high-risk flood areas with government-backed mortgages are **required to have flood insurance.**

While flood insurance is not federally required if you live outside of the high-risk area, your lender may still require you to have insurance.

Have you received disaster assistance?

If you live in a high-risk flood area and have received federal disaster assistance – including grants from the Federal Emergency Management Agency (FEMA) or low-interest disaster loans from the U.S. Small Business Administration (SBA) – you must maintain flood insurance in order to be considered for any future federal disaster aid.

Every property is vulnerable to flooding.

Even if you’re not required to have it, it’s still a good idea to consider purchasing flood insurance protection.

Here are some important facts to keep in mind:

FACT: Homeowners and renters insurance does not typically cover flood damage.
	FACT: Flood insurance will pay claims regardless of whether or not there is a Presidential Disaster Declaration.
	FACT: Federal disaster assistance comes in two forms: a loan, which must be paid back with interest, or a FEMA disaster grant, which is about $5,000 on average per household. By comparison, the average flood insurance claim in 2018 was more than $40,000.


**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:
          (800) 621-FEMA An official website of the Department of Homeland Security
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