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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
        
    
              Why Should I Renew My Policy?
              How to Renew Your Policy
              Flood Risks and Costs
          
                                	
			      Flood Risks and Costs
        
    
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              Before and After a Flood
          
                                	
			      Before and After a Flood
        
    
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              Elevation Certificates Why Should I Renew My Policy?
          How to Renew Your PolicyHow to Renew Your Policy
  Flood insurance is a dollar well spent.

Tony Morello, flood survivor, New Bern, NC

Contact your agent or lender to renew or update your policy.

Your flood insurance policy does not automatically renew – you must renew every year.

**Look for renewal reminders from your insurance company** and the National Flood Insurance Program (NFIP) in the weeks leading up to your policy expiration date.

You can also check your policy declaration form or call your agent to know when it is time to renew your policy.
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							Am I required to renew every year?
      
								 
            You are required to renew your flood insurance if you live in a high-risk area or have a government-backed mortgage.
              When is it time to renew my policy?

Your flood insurance agent can help you renew or make changes to your flood policy.

If your mortgage lender requires you to have flood insurance, contact them directly to ask questions about renewing or changing your policy. Your premium **may be paid through an escrow account** established by your lender.

If your flood insurance premium is not included in your escrow account, you’ll want to pay your insurance company directly.





FEMA | National Flood Insurance Program
                        500 C St SW,
            Washington,
            D.C.
            20472 Disaster Assistance:
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