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 come to inspect your home. Make sure you take photos and videos of your flood-related damage before throwing out items or tearing up carpet.

  • Discuss what your policy covers, inspect the property, 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.

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