Owners and renters may insure their personal property against flood loss. Builders of buildings in the course of construction, condominium associations, and owners of residential condominium units in participating communities all may purchase flood insurance. Condominium associations may purchase a condominium master policy that covers both the common elements of the building and the individual units owned by the members of the association. Owners of non-residential condominium units may purchase only contents coverage in their own name. The non-residential condominium building must be insured in the name of the association.
NFIP 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 usually are on file in a local repository in the community such as the town hall or county building. A toll-free telephone number and mailing address for the Flood Map Distribution Center are listed in the Flood Insurance Address and Telephone Directory, and may be used to order maps. Delivery is usually within two to four weeks.