Hurricane Helene

If you have flood insurance from FEMA's National Flood Insurance Program and experienced flooding during Hurricane Helene, visit How Do I Start My Claim to learn more about how to file your flood insurance claim. Further details on FEMA operations can be found on the following links: https://www.fema.gov/hurricane-helene Spanish: https://www.fema.gov/es/helene 

Concord Group Insurance
Refer to the Agent locator
Liberty Mutual Fire Insurance Company
(800) 225-8297

Contact NFIP

For general inquiries about the National Flood Insurance Program (NFIP), contact the FEMA Mapping and Insurance eXchange (FMIX) center at 877-336-2627 or by email .

For general inquiries you can contact: FEMA-FMIX@fema.dhs.gov. Most inquiries are answered within 5 business days.

For WYO Contact Information, see the NFIP WYO Toll-Free Contacts.

Live chat operators available from
Monday - Friday 9 a.m. – 5 p.m. ET

What can we help you with?

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A Flood Insurance Policy & Claims

Contact your insurance agent or company to purchase, change, or renew your policy or to learn more about coverage.

If you are not sure who your insurer is, you can call the FMIX Help Center at 877-336-2627. If you have a policy with NFIP Direct, call 800-638-6620 to start your claim.

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A Flood Map

Visit the Map Service Center or call 877-FEMA-MAP (877-336-2627).

During business hours, you can also live chat with a FEMA map specialist.

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After a Disaster

Visit DisasterAssistance.gov or call 800-621-3362 (TTY 800-462-7585).

If you have flood insurance and have filed a flood claim, FEMA encourages you to also apply for disaster assistance. You may be eligible to receive help for uninsured or underinsured losses, including assistance for temporary housing.

Allied Trust
(844) 200-2842

DMV Campaign Page

Knowing you can recover brings peace of mind.

If you’re far from water, you might think a flood can’t happen to you. But the truth is, there are hidden risks that can leave your property vulnerable, like runoff from new development or thunderstorms and heavy rains that create flash flooding.

No home is completely safe from potential flooding. When just one inch of water in a home can cost more than $25,000 in damage, flood insurance can be the difference between recovery and financial devastation.

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DC, Maryland, Virginia Residents: Know Your Flood Risk

The DMV region experiences devastating flooding when summer storms and extreme runoff create flash flooding and overflowed backyard streams. This summer make sure your home or business is protected.

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Contact your insurance agent to purchase or renew a flood insurance policy. Need help finding an agent? Use the insurance provider locator to find a company near you.

Get Covered
 

Why should I purchase flood insurance if…

  • A: Flooding can happen to anyone, anywhere – it doesn’t just affect those who live near a body of water. Hidden risks can put your home in danger of flooding. These include:

    • New construction and increased runoff,
    • Changes in weather patterns,
    • A thunderstorm or heavy rain,
    • A small stream or creek on your property,
    • Wildfires or other extreme weather events.

  • A: Most homeowners insurance does not cover flood damage. Only flood insurance covers the cost of rebuilding after a flood.

  • A: Flooding can happen anywhere, at any time. Poor drainage systems, summer storms, melting snow, neighborhood construction, and broken water mains can all result in flooding.

    In high-risk areas, there is at least a one-in-four chance of flooding during a 30-year mortgage.

  • A: Even though flood insurance isn’t required for your property, flooding can happen to anyone.

    In fact, from 2014 to 2018, policyholders outside of high-risk flood areas filed over 40 percent of all NFIP flood insurance claims and required one-third of federal disaster assistance for flooding.

    Property owners in the moderate- to low-risk flood areas are eligible for lower-cost Preferred Risk Policies (PRPs). The PRP provides the same building and contents coverage at a more affordable price.

  • A: Federal disaster assistance is only made available when there is a Presidential disaster declaration, and most flood events do not result in a declaration. Disaster assistance typically comes in the form of loans that must be repaid – with interest!

    Disaster assistance from FEMA and the U.S. Small Business Administration is designed to kick-start recovery, but is not enough restore your home to its pre-disaster condition or to replace your treasured household items.

    Flood insurance does not have to be paid back, and it is designed to restore your property to its pre-disaster condition. There is no better way to protect the life you’ve built than with NFIP flood insurance.

  • A: It’s likely your landlord has flood insurance that covers the building, but not its contents.

    Affordable, contents-only flood insurance will help you protect the items inside of your unit in the event of a flood.

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