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About the National Flood Insurance Program

When Insurance is Required

What to Expect

Congress mandated federally regulated or insured lenders to require flood insurance on properties that are located in areas at high risk of flooding.

Below you'll find the insurance requirements for your flood risk area. If you're not sure which area your property is in, take your Risk Profile to learn more.

Residents of High-Risk Areas

Homes and buildings in high-risk flood areas with mortgages from federally regulated or insured lenders are required to have flood insurance. In high-risk areas, there is at least a 1 in 4 chance of flooding during a 30-year mortgage.

Residents of Moderate-to-Low Risk Areas

Homes and businesses located in moderate-to-low risk areas that have mortgages from federally regulated or insured lenders are typically not required to have flood insurance. Even though flood insurance isn't federally required, anyone can be financially vulnerable to floods. In fact, people outside of mapped high-risk flood areas file nearly 25% of all National Flood Insurance Program flood insurance claims and receive one-third of Federal Disaster Assistance for flooding. When it's available, disaster assistance is typically a loan you must repay with interest.

A lender can require flood insurance, even if it is not federally required.

How NFIP is Making Communities Safer >>

Learn your risk, and find an agent, by taking Your Risk Profile.

PRIMARY RESIDENCE DISCLAIMER


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: Sunday, 13-Apr-2014, 4:35 PM (EDT)

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