Overview of The National Flood Insurance Program
This program aims to reduce the impact of flooding on private and public structures. It does so by providing affordable insurance to property owners, renters and businesses and by encouraging communities to adopt and enforce floodplain management regulations. These efforts help mitigate the effects of flooding on new and improved structures. Overall, the program reduces the socio-economic impact of disasters by promoting the purchase and retention of general risk insurance, but also of flood insurance, specifically.
Understanding Your Risk
The primary feature of flood maps are flood zones, which are geographic areas that FEMA has defined according to varying levels of flood risk and type of flooding. These zones are depicted on the published Flood Insurance Rate Map (FIRM) or Flood Hazard Boundary Map (FHBM). Everyone lives in an area with some risk of flood—it’s just a question of whether you live in a low, moderate, or high-risk area.
To find your community’s flood map, visit the FEMA Flood Map Service Center, then type in your address and search to find your specific results.
How to Purchase Flood Insurance
National Flood Insurance Program (NFIP) policies can be purchased through thousands of insurance agents nationwide. Usually the agent who helps you with your homeowners or renters insurance may also be able to help you with purchasing flood insurance as well.
Take Action to Reauthorize the National Flood Insurance Program (NFIP)
The National Flood Insurance Program (NFIP) will expire on July 31, denying necessary insurance coverage to homeowners and buyers in more than 20,000 communities nationwide. Congress must act now to reform and extend the NFIP.