Skip to Main Content

Renewing Your Policy

Renewing Your Policy

Your flood insurance policy does not renew automatically, so it is important to ensure your policy does not lapse. Not only would the potential regret and financial consequences of not being covered be devastating, but letting your policy lapse could also mean a higher premium once you reinstate coverage.

High-risk areas are so susceptible to flooding that homes and businesses in these areas with mortgages from federally regulated or insured lenders are required to have flood insurance. Even if you live outside a mapped high-risk area, flood insurance is still recommended. Though your flood risk may be reduced, it is not eliminated.


Your insurance company will send you a notice when it's time to renew. FEMA may also mail a reminder letter before your policy expires.

When renewing, take the time to review the following with your agent:

  • Your deductibles
  • The extent of your coverage to make sure it's still adequate

Contact your insurance agent directly to renew your flood insurance policy. Don't have your agent's contact information? Call the National Flood Insurance Program's Help Center at 1-800-427-4661.

Every year you renew, you will receive a copy of the Flood Insurance Claims Handbook, Summary of Coverage, and a loss history for your property.

Cost Of Flooding

Can you afford not to renew your flood insurance policy? Find out what a flood could potentially cost you. Learn More

Aftermath Of Flooding

See how two homeowners—one with flood insurance, one without—dealt with the aftermath of flooding. Find Out 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

Contact Us | Site Map | Help | NFIP | Glossary | Email Updates
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