About the National Flood Insurance Program

The National Flood Insurance Program (NFIP) provides insurance to help reduce the socio-economic impact of floods. NFIP is managed by FEMA and is delivered to the public by a network of more than 50 insurance companies and the NFIP Direct.

Most homeowners insurance does not cover flood damage. Flood insurance is a separate policy that can cover buildings, the contents in a building, or both, so it is important to protect your most important financial assets — your home, your business, your possessions.

How to Purchase Flood Insurance

To buy flood insurance, call your insurance company or insurance agent, the same person who sells your home or auto insurance. If you need help finding a provider go to FloodSmart.gov/find.

Plan ahead as there is typically a 30-day waiting period for an NFIP policy to go into effect, unless the coverage is mandated it is purchased as required by a federally backed lender or is related to a community flood map change.