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An official website of the United States government

Here's how you know

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Menu

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 * Sign Up for Updates
 * Find a Provider
 * Resource Library
 * FloodSmart for Agents

Main Global Search, Enter Search Term(s):

Skip nav links
 * Buying a Policy
   * Buying a Policy
   * Why Buy Flood Insurance
   * Am I Required to Have Flood Insurance?
   * What’s Covered
   * Types of Flood Insurance
   * How to Buy Flood Insurance
   * Find an Insurance Provider
 * Renewing a Policy
   * Renewing a Policy
   * Why Should I Renew My Policy?
   * How to Renew Your Policy
 * Flood Risks and Costs
   * Flood Risks and Costs
   * What Impacts My Premium and Policy Costs?
   * Flood Insurance Mitigation Discount Tool
   * Climate Change and Risk
   * Policy Terms
   * How Can I Pay Less?
 * Before and After a Flood
   * Before and After a Flood
   * Steps to Prepare for Flooding
   * How Do I Start My Flood Claim?
   * Document Damage and Start Clean Up
   * Disaster Response
   * Appeal Your Flood Claim
   * Understanding Coverage Decisions
   * Reducing Future Flood Damage
 * Flood Zones and Maps
   * Flood Zones and Maps
   * Flood Risk
   * Historical Claims Map
   * Elevation Certificates


HURRICANE MILTON

If you have flood insurance from FEMA's National Flood Insurance Program and
experienced flooding during Hurricane Milton, visit How Do I Start My Claim to
learn more about how to file your flood insurance claim. Further details on FEMA
operations can be found on the following links: English:
https://www.fema.gov/hurricane-milton Spanish: https://www.fema.gov/es/milton

 

Hurricane Helene
If you have flood insurance from FEMA's National Flood Insurance Program and
experienced flooding during Hurricane Helene, visit How Do I Start My Claim to
learn more about how to file your flood insurance claim. Further details on FEMA
operations can be found on the following links:
https://www.fema.gov/hurricane-helene Spanish: https://www.fema.gov/es/helene 

FLOODING HAPPENS EVERYWHERE



Don’t wait until it happens to you. Get started today.



Find a Provider
Start a Claim
Pause


HOW TO BE PREPARED?

Take steps to protect your home, family and financial security throughout the
year, and take extra precautions when flooding is predicted in your area.

FOLLOW THESE EASY STEPS:

Step 1: Understand your risk Step 2: Get flood insurance Step 3: Prepare your
home and documents Step 4: File a claim - Recover faster
Step 1: Understand your risk Step 2: Get flood insurance Step 3: Prepare your
home and documents Step 4: File a claim - Recover faster

UNDERSTAND YOUR RISK

Look up your address in the Flood Map Service Center to learn if you live, work
or travel in areas that are at higher risk for flooding.

Flood Map Service Center

GET FLOOD INSURANCE

Most homeowners insurance does not cover flood damage. The National Flood
Insurance Program (NFIP) can help you find an insurance provider. Use our
insurance provider finder to locate an agent. An agent can help answer questions
that are specific to your situation and get you a quote for a policy.

Find an insurance provider

PREPARE YOUR HOME AND DOCUMENTS

Take photos and videos of all major household items and valuables. Store these
documents in a safe waterproof place because they are important when filing
insurance claims.

Save copies of birth certificates, passports, medical records, and insurance
papers in a safe, dry place. Keep original documents in a watertight safety
deposit box.

Discover more ways to minimize your flood losses

FILE A CLAIM - RECOVER FASTER

If your home experienced a few inches (or a few feet) of flood water, the
National Flood Insurance Program (NFIP) can help you recover.

Report your loss immediately to your insurance agent or carrier. Need help
finding your insurance agent or carrier? Call the NFIP at 877-336-2627.

Find more help with claims


WHAT IS FLOOD INSURANCE?

Flood insurance covers losses directly caused by flooding. Flood insurance is
specific to flooding since most homeowners insurance does not cover flood
damage.

WHAT IS A FLOOD?

In simple terms, a flood is an excess of water on land that is normally dry,
affecting two or more acres of land or two or more properties. For example,
damage caused by a sewer backup is covered if the backup is a direct result of
flooding. Official Definition of a flood.

WHAT IS COVERED?

In the event of a flood, your NFIP policy covers direct physical losses to your
structure and belongings.

The NFIP offers two types of coverage; building coverage and contents coverage.

There are many circumstances that factor into what is covered, such as where you
live, the kind of house you live in, the age of your home, and how it's built
and arranged. Below are links to learn more.

What does my policy cover? 
File a claim 
Flood zones & maps 
Community mitigation
Are you eligible?
Flood Insurance Mitigation Tool


WHY GET FLOOD INSURANCE?

Where it rains, it can flood. No home is completely safe from a flood event.
Unfortunately, many property owners do not find out until it's too late that
their homeowners insurance policies do not cover flooding.

PEACE OF MIND

No home is completely safe from potential flooding. Flooding is the most common
and the most costly natural disaster. In fact, 90% of all presidentially
declared U.S. natural disasters involve flooding. Flood insurance can be the
difference between recovery and financial devastation.

WHY GET FLOOD INSURANCE?

Everyone has SOME risk. Flooding can happen anywhere at any time. Poor drainage
systems, summer storms, melting snow, neighborhood construction, and broken
water mains can cause flooding.

32% OF CLAIMS

Nearly one-third of NFIP flood insurance claims come from OUTSIDE high-risk
flood areas

FASTER RECOVERY

Rebuilding after a flood can be difficult. If you have flood insurance, you
don’t have to go through it alone.

IT MIGHT BE REQUIRED

Many property owners, particularly those in high-risk flood areas, may be
required to have flood insurance.

HOMEOWNERS INSURANCE DOESN’T COVER FLOODS

Most homeowners insurance does not cover flood damage. Only flood insurance
covers the cost of rebuilding after a flood.

Find an insurance provider


WHO IS AT RISK?

Most properties.

Flooding can happen just about anywhere it rains or snows. Nearly one-third of
NFIP flood insurance claims occur outside high flood risk areas.

HOW CAN I UNDERSTAND MY RISK?

No matter where you live or work, some risk of flooding exists. Flood maps show
a community’s risk of flooding. Specifically, flood maps show a community’s
flood zone, floodplain boundaries and base flood elevation.

All about flood maps 
Understanding my flood zone 
What’s covered 
Community mitigation
Are you eligible?
Flood Insurance Mitigation Tool


FLOODING HAPPENS EVERYWHERE

Don’t wait until it happens to you. Get started today!

Find an Insurance Provider


FEATURED CAMPAIGN: CHANGE YOUR WILDFIRE STORY

After a wildfire, there may be rain, mudflow and flood damage. Choose flood
insurance and write your own ending.

Flood After Fire

Find an insurance agent to get protected!
Find an agent
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FOOTER ACCORDION LINKS

 * Contact Floodsmart

FEMA | National Flood Insurance Program
500 C St SW, Washington, D.C. 20472
Disaster Assistance:
800-621-3362
Floodsmart.gov
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