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 

Coastal American Insurance Company
(855) 836-4950
Bankers Insurance Group, DBA: First Community Insurance Company
(800) 627-0000
Universal North America Insurance Company
(866) 458-4262

Agents Flood After Fire Consumer Campaign

As communities across the West recover from devastating wildfires, residents living in both affected and surrounding areas face higher risk of flooding.

Wildfires can drastically change the terrain and make the ground less able to absorb water. Even areas that do not typically flood are now at risk for flash flooding and mudflows for up to several years after a wildfire.

If you live in and around areas impacted by wildfires, use the resources below to raise awareness about the risk of flooding after wildfires.

Before and After a Flood

Flooding is the most common and costly natural disaster. After a flood, the process of recovery might seem daunting. With flood insurance, you have the peace of mind that comes with knowing you can and will get back to your daily routine.

Prepare for flooding

Understand how you can protect your home and reduce your flood losses.

How do I start my flood claim?

Learn how to file a claim and begin the recovery process.

Document damage and start clean up

After the flood, take pictures and videos before removing damaged items.

Appeal your flood claim

Get guidance on how to update or appeal your flood claim.

Reducing future flood damage

Find out how Increased Cost of Compliance coverage can help you cover mitigation costs.

Disaster Response

FEMA’s National Flood Insurance Program is standing by to assist you and your community before, during, or after a flooding disaster.

Understanding Flood Risks and Policy Costs

Anywhere it rains, it can flood. With flood insurance, you’ll be protected in the event of flood damage, whether it’s an inch of water or a major hurricane event.

The cost of flooding

Just one inch of flood water can cause more than $25,000 in damage.

What impacts my policy costs?

Your insurance premium depends on many factors – flood risk, home elevation, and more.

Policy costs and terms

Understand flood insurance policy costs, coverage limits, and deductibles.

How can I pay less?

Reducing your flood risk can reduce your flood insurance costs. Learn more.

Renewing Your Flood Insurance Policy

You’ve already made the smart decision to purchase flood insurance and protect the life you’ve built. But flooding can happen anytime, anywhere. Renew your policy every year to ensure your home or business stays covered.

NFIP's pricing approach, Risk Rating 2.0, allows FEMA to execute its promise to deliver rates that are equitable, easier to understand and reflect each property’s unique flood risk.

Why should I renew my policy?

Maintaining flood insurance coverage means you’ll be able to recover faster and more fully after a flood event.

How do I renew, pay, or change my policy?

Learn how you can update or renew your flood insurance policy.

Thinking about cancelling your policy?

Insurance decisions can be hard but consider the peace of mind knowing you are protecting the life you’ve built. For more information, contact your insurance agent to learn more about the policy cancellation process. Keep in mind the best plan may be to lower the premium cost while still having the coverage to protect your home/building. 

Buying Flood Insurance

Just one inch of flood water can cause more than $25,000 in damage to your home. But most homeowners and renters insurance does not cover flooding. Only flood insurance helps you protect your home and savings.

Why buy flood insurance

Flood insurance is a small price to pay for peace of mind. Learn more about why flood insurance is a good value for your home or business.

Am I required to have flood insurance?

If you live in a high-risk flood zone, you may be required to purchase flood insurance.

What flood insurance covers

Flood insurance protects your home and belongings – learn what’s covered.

Types of flood insurance

Whether you’re a homeowner, business owner, or renter, flood insurance can help you protect the life you’ve built.

How do I buy flood insurance?

Call your insurance agent to purchase flood insurance today.

Information for new policyholders

Information about your new flood insurance policy and what to expect.

Find an insurance provider

Don’t have an insurance agent? Find an insurance provider in your state or territory.

SafePoint Insurance Company
(877) 858-7445
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