National Flood Insurance Program (NFIP)

← Back to Disaster Relief

Floods occur frequently, often without warning. They represent the most common and costly natural disaster in the United States. Yet, many property owners do not realize that their insurance policies will not cover the damage.

Even just 1 inch of water in or under your home can cause thousands of dollars in damage. Regular homeowners insurance won’t cover that loss.

Through the National Flood Insurance Program (NFIP), you can buy insurance that pays for damage and loss from flooding. Flood insurance can include buildings, furnishings, and other contents of your home.

In some cases, homeowners may be required to maintain flood insurance, for instance, if you live in an area of high flood risk and you or a previous owner has received federal assistance for storm damage.

Cost and Coverage

Rates for flood insurance under the NFIP vary. Prices depend on your home’s location and elevation. Property in a flood zone, as determined by the Federal Emergency Management Agency (FEMA), is at higher risk, resulting in higher premiums.

You can purchase coverage for buildings, which includes your foundation, electrical and HVAC systems, and other property damage. You can also purchase contents coverage, which includes furniture and other personal belongings.

Having this coverage helps people recover after a storm. The NFIP also works to improve floodplain management to reduce the devastation caused by floods.


Does homeowners insurance cover losses from a flood?

What does flood insurance cover?

What do you mean by “flooding”?

Is there anything flood insurance won’t cover?

I don’t live in a floodplain. Should I get flood insurance?

For more information:

National Flood Insurance Program: 800-621-3362

FEMA Mapping and Insurance Exchange : 877-336-2627

FEMA Website (Flood Maps):


The NFIP is a federal government program administered by FEMA. The NFIP partners with more than 50 private insurance companies and the NFIP Direct to sell and service flood insurance policies.

Download our resource: