If you have recently experienced a flood, the following information will assist you. If your building and/or contents are covered by flood insurance and you experienced damage, please contact your insurance company immediately to file a claim. Please visit FEMA’s FloodSmart, Flood Insurance Claims Handbook  and Tips for Filing an Insurance Claim web sites for more information about filing a claim.
The following information will give you advice on how to clean up, rebuild, and get help after a flood.
If you had flood insurance at the time of the flood and your community determines your structure to be substantially damaged and is requiring you to meet certain building requirements contained in the community’s floodplain ordinance, you may be eligible for the Increased Cost of Compliance (ICC) coverage in your policy. Flood insurance policyholders in high-risk areas, also known as special flood hazard areas, can get up to $30,000 to help pay the costs to bring their home or business into compliance with their community’s floodplain ordinance. For more information about ICC, please visit FEMA’s web site and contact your insurance company.
Flood Disaster Assistance and Aid
If a major flooding event results in a Presidential disaster declaration, the following information applies.
NFIP Non-Participating Communities and Disaster Assistance
If a community does not participate in the National Flood Insurance Program (NFIP), no Federal financial assistance can be provided in these communities for the permanent repair or reconstruction of insurable buildings in a designated floodplain area. However, eligible applicants in these non-participating communities may receive disaster assistance that is not related to permanent repair and reconstruction of buildings. To determine if a community participates in the NFIP, please check FEMA’s Community Status Book.
If a non-participating community applies and is accepted into the NFIP within six months of a Presidential disaster declaration, these limitations on Federal disaster assistance are lifted. Community officials should contact the NH Office of Energy and Planning for more information about joining the National Flood Insurance Program.
To Apply
To apply for disaster aid, please either apply online or call the Federal Emergency Management Agency (FEMA) at 1-800-621-3362.
More Information
To learn more about the disaster process and disaster assistance, please click on the following links.
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