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A Strong El Niño
Means Heavy Rain

Years of drought conditions and recent wildfires coupled with a strong El Niño forecast increase your chance for flooding.

Learn about El Niño

The Peak of Hurricane
Season is Here.
Are You Ready?

Learn more

What Matters

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

Learn Your Risk

What Does NFIP Reform
Legislation Mean to You?

You pay a lower surcharge for a primary residence. Learn how to verify your residence status.

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


Get Coverage with Preferred Risk Policy

Get coverage with a low-cost policy

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: Tuesday, 17-Nov-2015, 4:57 PM (EST)

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