How to Renew Your Policy

Flood insurance is a dollar well spent.

Tony Morello, flood survivor, New Bern, NC

Contact your agent or lender to renew or update your policy.

Your flood insurance policy does not automatically renew – you must renew every year.

Look for renewal reminders from your insurance company and the National Flood Insurance Program (NFIP) in the weeks leading up to your policy expiration date.

You can also check your policy declaration form or call your agent to know when it is time to renew your policy.

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Am I required to renew every year?

You are required to renew your flood insurance if you live in a high-risk area or have a government-backed mortgage. Learn more about why maintaining coverage saves you money.

When is it time to renew my policy?

Your flood insurance agent can help you renew or make changes to your flood policy.

If your mortgage lender requires you to have flood insurance, contact them directly to ask questions about renewing or changing your policy. Your premium may be paid through an escrow account established by your lender.

If your flood insurance premium is not included in your escrow account, you’ll want to pay your insurance company directly.

NFIP Extends Renewal Grace Period

To support policyholders during the COVID-19 pandemic, the NFIP extended its 30-day grace period for policy renewals up to 120 days. This is effective for NFIP policies with an expiration date between February 13 – June 15, 2020.

Learn More