Rebuilding after a flood can be difficult. We're here to help.

Whether your home experienced inches of flood water or a few feet, the National Flood Insurance Program (NFIP) can help you recover. If you're an NFIP policyholder, follow the steps below to begin filing your flood claim.

  • Report your loss immediately to your insurance agent or carrier. Be sure to ask them about advance payments. Need help finding your insurance agent or carrier? Call the NFIP at 877-336-2627.

  • An insurance adjuster will assess flood damages to your home, either in person or remotely. Make sure you take photos and videos of your flood-related damage before throwing out items or discarding the carpet. Learn more about how to document damage.

    During the COVID-19 pandemic, the NFIP is advising insurance companies to conduct remote adjustments whenever possible. Talk with your adjuster to see if this is an option for you.

    If remote adjustment is possible, the adjuster will guide you on how to collect the documentation required for a successful damage assessment. The adjuster will explain the technology and equipment you need (such as a digital camera or smartphone and measuring tools) and make sure you are comfortable using them.

    Remote adjustment is optional but not mandatory. If you choose to have a remote adjustment, you can also request an on-site inspection at any time during the damage assessment.

  • With a remote adjustment, it may take several hours or more to document damage. During that time, you'll work with your adjuster to take high-quality photos and detailed measurements.

    You should also discuss with your adjuster what your policy covers, ask any questions you may have about the claims process, and determine your next steps.

  • Begin the recovery process and start getting back to your routine.

  • Once Risk Rating 2.0: Equity in Action goes into effect, if a policyholder with no prior losses has a claim, FEMA will not increase their premium due to the first loss. For policyholders with two or more prior losses, after their first claim following implementation of Risk Rating 2.0: Equity in Action, the rate will increase and reflect prior paid claims in the previous 20 years (number of paid claims minus 1). These rate increases will be gradual and within the statutory limits required by Congress.

Apply for disaster assistance.

When there is an official Presidential Disaster Declaration, NFIP flood insurance policyholders are encouraged to apply for FEMA disaster assistance in addition to their flood insurance claim.

For eligible individuals, FEMA disaster assistance may help with uncovered expenses like temporary housing assistance or other needs.

To learn more and apply, visit or call 800-621-3362. Or use FEMA’s online resources.

Additional flood claim resources