Knowing you can recover brings peace of mind.
Did you know hurricanes can cause damage to the Pacific Islands? It’s true. While hurricanes may not make landfall on all islands in the Pacific, they do increase rainfall, storm surges and ocean swells that can cause significant damage. Even heavy rains have caused devastating flooding in Hawaii, Guam and American Samoa.
When just one inch of water can cost roughly $25,000 in damage to one’s home, flood insurance can be the difference between recovery and financial hardship. Purchase or renew your flood insurance policy today to protect the life you’ve built.
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.
Understand Your Coverage
It typically takes 30 days for your policy to go into effect, so the time to act is now.
The Cost of Flooding
See just how much flood damage can cost you. Remember: with flood insurance, you’re able to recover faster and more fully.
Flood Maps
No matter where you live or work, some risk of flooding exists. Know your flood risk by finding your community’s flood map now.
How to Reduce Your costs
Lowering your flood risk can lower your costs. Learn more about mitigation strategies and related discounts.
Survivor Story
Rupi Prasad purchased flood insurance for peace of mind during her retirement years. With help from the NFIP, she’s rebuilding after Hurricane Harvey.
“Why should I purchase or renew flood insurance if…”
I already have a homeowners or hurricane insurance policy?
Most homeowners insurance does not cover flooding. Hurricane insurance only covers wind-related hurricane damage, it doesn’t protect your home from flood damage. Only flood insurance covers the cost of rebuilding after a flood.
My community has never flooded?
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 1 in 4 chance of flooding during a 30-year mortgage.
I live outside of the high-risk flood area?
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% of all NFIP flood insurance claims and required one-third of federal disaster assistance for flooding.
Under Risk Rating 2.0: Equity in Action, NFIP has changed the way it determines flood risk and prices flood insurance. Rates are easier to understand and better reflect a property’s flood risk. Properties with low risk will continue to pay lower premiums and policyholders may pay a lower premium compared to their previous PRP premium.
My home flood damage could be covered by federal disaster assistance?
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 to 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.
I'm renting a property?
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.