Insure your property for your flood hazard  

Insure your property for your flood hazard

Flood insurance provides coverage that most homeowner’s policies don’t – coverage for damage to buildings and contents from flooding, flood-related erosion, and flood-caused mudslides.

In order to help alleviate the financial devastation caused by flooding, Congress created the National Flood Insurance Program (NFIP) in 1968. The NFIP, overseen by the Federal Emergency Management Agency (FEMA), enables homeowners, business owners, and renters in participating communities to purchase federally backed flood insurance. This insurance is designed to provide an alternative to disaster assistance to meet the escalating costs of repairing flood damage to buildings and their contents.

You must have flood insurance to receive federally secured financing to buy, construct, or improve a building in a high-risk area known as a Special Flood Hazard Area (SFHA), where more than 75 percent of all flood claims are paid.

For more information about flood hazards and insuring your property from flood hazards, visit https://www.floodsmart.gov/floodsmart/