An overview of flood insurance, the Flood Insurance Manual, flood insurance statistics, and additional information links
Everyone 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.
NFIP Desk Reference Guide for State Insurance Commissioners and Others
This FEMA document 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: