floodsmart.govFloodSmart The National Flood Insurance Program

Skip to main content An official website of the United States government Here's how you know Español Official websites use .gov A .gov website belongs to an official government organization in the United States. Secure .gov websites use HTTPS A lock ( Lock A locked padlock ) or https:// means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. Hurricane Sally If you have flood insurance from FEMA's National Flood Insurance Program and experienced flooding during Hurricane Sally, learn how to start your flood insurance claim and apply for disaster assistance. Learn More Menu Visit FloodSmart for Agents Enter Search Term(s): Buying a Policy Why Buy Flood Insurance Am I Required to Have Flood Insurance? What’s Covered Types of Flood Insurance How to Buy Flood Insurance Find an Insurance Provider Renewing a Policy Why Should I Renew My Policy? How to Renew Your Policy Flood Risks and Costs Cost of Flooding What Impacts My Premium and Policy Costs? Policy Costs and Terms How Can I Pay Less? Before and After a Flood Steps to Prepare for Flooding How Do I Start My Flood Claim? Document Damage and Start Clean Up Appeal Your Flood Claim Reducing Future Flood Damage Flood Zones and Maps All About Flood Maps My Flood Zone Flood Map Updates Elevation Certificates This is an official site of the National Flood Insurance Program. The NFIP offers flood insurance to help you protect the life you’ve built and recover more quickly after a flood. Get Coverage The Latest from the NFIP Prepare for Flooding After Wildfires After a wildfire, it’s hard to imagine another risk ahead. If you live in and around areas that have experienced a wildfire, you face a higher risk of flash flooding and mudflows. Talk to your insurance agent today about purchasing flood insurance to protect your home from flood after fire risks. Learn More 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. What's Covered? Flood insurance covers your home and the things inside it. Learn more about coverage limits and what is or isn't covered. 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. “Flood insurance means we're able to rebuild our home.” The Tiptons, Hurricane Survivors Helpful Resources Summary of Coverage Need help understanding your flood insurance policy? Learn more about deductibles, what is and is not covered by flood insurance, and how items are valued at time of loss. Why Do I Need Flood Insurance? Anywhere it rains it can flood. Learn more about how flood insurance can protect your home or business from devastating flood damage. Return to top -- FEMA | National Flood Insurance Program 500 C St SW , Washington , D.C. 20472 Disaster Assistance: (800) 621-FEMA (800) 462-7585 -- floodsmart@fema.dhs.gov Official website of the Department of Homeland Security Need Help? Contact us Glossary Privacy Policy Related Links Footer Accordion Links Partner Sites No Fear Data Act Freedom of Information Act Office of the Inspector General Whitehouse.gov DHS.gov USA.gov FEMA.gov Ready.gov DisasterAssistance.gov...