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Coastal Flooding

Whether your home or business is right by the shore or miles away, owning coastal property comes with a serious risk of flooding. Drenching downpours. Wind-driven waves. Storm surges that drive water inland. Prepare for storms and rising water. Stay covered with flood insurance.

Coastal Homes and Business

Flood insurance is available for most coastal areas. Requirements and costs vary based on the building's risk.

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Varied Coasts
Varied Risks

The Atlantic and Pacific, The Gulf of Mexico, and The Great Lakes coasts all experience flooding, but the nature and timing of flood events vary.

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Coastal
Flood Maps

Flood risks change over time. FEMA is issuing new coastal flood maps that more accurately show current hazards and elevations.

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Major Coastal Hazards

Hurricanes, tropical storms, Nor'easters, storm surges, waves, and tsunamis can cause coastal nightmares.

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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: Wednesday, 21-Sep-2016, 2:01 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