Skip to Main Content

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

A single storm can ruin your financial future.

It doesn't matter if the storm season is active or quiet! It only takes one tropical storm or hurricane to cause thousands of dollars in flood damage.

Learn more about hurricanes

What Matters

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

Learn Your Risk

Flood Maps

Flood maps are used to identify your property’s risk. Understand how they can affect your flood insurance rates.

Learn More about Maps

« Previous Next »



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

Contact Us | Site Map | Help | NFIP | Glossary
Last Updated: Thursday, 19-May-2016, 3:20 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