U.S. flagAn official website of the United States government
        Here's how you know
            Navegar a la página de inicio en españolDot gov**Official websites use .gov**
          
          A
          **.gov**
          website belongs to an official government organization in the United
          States.
    Https**Secure .gov websites use HTTPS**
          
          A
          **lock**
          (
          A locked padlock
          ) or
          **https://**
          means you’ve safely connected to the .gov website. Share sensitive
          information only on official, secure websites.Menu
         U.S. Department of Homeland Security - Federal Emergency Management Agency - National Flood Insurance Program

    close

        
                        Skip links
								Sign Up for Updates
											Find a Provider
											Resource Library
											FloodSmart for AgentsMain Global Search, Enter Search Term(s):

          
                        Skip nav links

      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
              Find an Insurance Provider
              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
        
    
              Cost of Flooding
              What Impacts My Premium and Policy Costs?
              Flood Insurance Mitigation Discount Tool
              Climate Change and Risk
              Policy Terms
              How Can I Pay Less?
              Before and After a Flood
          
                                	
			      Before and After a Flood
        
    
              Steps to Prepare for Flooding
              How Do I Start My Flood Claim?
              Document Damage and Start Clean Up
              Disaster Response
              Appeal Your Flood Claim
              Understanding Coverage Decisions
              Reducing Future Flood Damage
              Flood Zones and Maps
          
                                	
			      Flood Zones and Maps
        
    
              Historical Claims Map
              All About Flood Maps
              Flood Map Updates
              Elevation Certificates All About Flood Maps and Zones
          My Flood Zone
          Flood Map Updates

                    
  
          Moving into the High-Risk Zone
          Moving out of the High-Risk Zone
          Increasing Risk from High to Higher
          Elevation CertificatesWhen high-risk becomes higher, secure cost-savings
  Arrow pointing from high-risk to higher-risk

If your property is now at an **even higher risk** of flooding – renew or purchase flood insurance before the maps change to **stay protected and save money.**

**Flood insurance may be required** if you have a mortgage from a government-backed lender.

Even if you don’t have a loan, **you are strongly encouraged to purchase a policy.** In a high-risk area, there is a 1 in 4 chance of flooding in the next 30 years.
              Icon indicating more information
      

							**Contact your insurance agent today** to find ways to lower your costs.
              Finding ways to reduce your flood insurance costs

Flood insurance costs are higher for higher-risk areas. But, there are ways to save money, including taking steps to reduce your property’s flood risk.

Mitigation efforts, such as elevating a building on piles or installing proper flood openings in a crawlspace, will help to reduce flood damage and potentially the cost of flood insurance.

To keep your lower rates, remember to renew your policy annually and stay protected.





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
 **Need Help?** About Us Contact Us Glossary Privacy Policy Vulnerability Disclosure Policy
 **Related Links** Footer Accordion Links
  

        


    
    
            Partner Sites
          No Fear Data Act

      
    
      
        Freedom of Information Act

      
    
      
        Office of the Inspector General

      
    
      
        Whitehouse.gov

      
    
      
        DHS.gov

      
    
      
        USA.gov
 FEMA.gov Ready.gov DisasterAssistance.gov Accessibility Plug-Ins
 **Connect with NFIP**