Tenants living in participating communities may also insure their personal property against flood loss, as may owners of non-residential condominium units.
Coverage is available only in participating communities.
To learn if a community is participating in the NFIP, contact a property insurance agent or broker or community officials. FEMA publishes maps indicating communities' flood hazard areas and the degree of risk in those areas. Flood insurance maps are on file with the Department of Public Works Engineering Division. Almost every type of walled and roofed building that is principally above ground and not entirely over water may be insured if it is in a participating community. Contents of insurable walled and roofed buildings also may be insured.