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Flood Insurance

An overview of flood insurance, the Flood Insurance Manual, flood insurance statistics, and additional information links

National Flood Insurance Program LogoEveryone lives in a flood zone, whether you live in a low-, moderate- or high-risk flood area. You do not need to live near water to be flooded. Floods are caused by storms, melting snow, hurricanes, water backup due to inadequate or overloaded drainage systems, as well as broken water mains. You can protect your home, business, and belongings with flood insurance from the NFIP.

Flood insurance is necessary because homeowners insurance does not cover flood losses. Anyone who applies for a federally-funded mortgage/loan or refinancing on an existing home in flood-prone areas will be required to carry flood insurance for the life of the mortgage/loan.

All residents in NFIP participating communities can purchase flood insurance. While it is always a good idea to have flood insurance if you live in a high-risk flood area, it is also a good idea even in lower risk areas, since 25%-30% of flood insurance claims come from areas that are designated low-to-moderate risk areas.

To learn more about your property's flood risk, please view FEMA's floodplain maps and/or visit FEMA's FloodSmart website.


NFIP Desk Reference Guide for State Insurance Commissioners and Others

This FEMA document pdf file provides an easy-to-understand overview of the NFIP, details about flood insurance including when it is required and what is covered, and other important information that policyholders, local officials, and others should know before, during, and after a flood.

Flood Insurance Reform

To learn more about the implementation of recent legislation and information about the following, please go to FEMA's Flood Insurance Reform page.

  • Rates and Refunds
  • Reducing Risk and Rates
  • Resources for Property Owners, Insurance Agents, Real Estate Agents and Community Officials

Flood Insurance Manual

The NFIP Flood Insurance Manual contains the procedures and the rating tables set by FEMA that are used by insurance companies (called Write-Your-Own companies) to determine a flood insurance premium. The Manual is revised by FEMA in May and October of each year.

For More Information

Visit FEMA's FloodSmart website to find out about:

  • Flood insurance policies and coverage
  • Finding an agent in your area
  • How to purchase flood insurance
  • How to file a claim

Other helpful information about flood insurance can be found at the following links:

Portable Document Format Symbol Portable Document Format (.pdf). Visit for a list of free .pdf readers for a variety of operating systems.

NH Office of Strategic Initiatives
Governor Hugh J. Gallen State Office Park
Johnson Hall, 3rd Floor  |  107 Pleasant Street  |  Concord, NH 03301
(603) 271-2155  |  fax: (603) 271-2615