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What Matters

Think about what your home means
to you. Have you done everything you
can to protect it?

Learn Your Risk

Spring is Here.
Are You Ready?

Melting snow and heavy rains can cause severe flooding.

Learn more

What Does NFIP Reform
Legislation Mean to You?

Premiums are changing to reflect actual risk and sustain the program—within an affordable framework.

Learn more

How will the New
Flood Maps Affect
Your Flood Risk?

Flood risk changes from year-to-year. Enter your zip code to see if there have been any recent map changes in your area.

Search Your Area

Wildfires Increase Flood Risk.
Are You Ready?

Fires leave land dry, barren, and unable to
absorb water.

Learn more


Get Coverage with Preferred Risk Policy

Get coverage for as low as $129 per year

Find out about our
Preferred Risk Policy for homes
in moderate-to-low risk areas.

Learn More

Flooding Cost Tool

What could flooding cost me?

This interactive tool
shows the cost of a flood to
your home, inch-by-inch.

Learn More


For flood insurance rating purposes, a primary residence is a building that will be lived in by the insured or the insured's spouse for at least 80 percent of the 365 days following the policy effective date. If the building will be lived in for less than 80 percent of the policy year, it is considered to be a non-primary residence.

How Can I get Covered?

  • Rate your risk
  • Estimate your premiums
  • Find an agent

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Last Updated: Friday, 13-Mar-2015, 4:59 PM (EDT)

500 C Street SW, Washington, D.C. 20472
Disaster Assistance: (800) 621-FEMA, TTY (800) 462-7585
U.S. Department of Homeland Security
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