For Consumers

Flood insurance - frequently asked questions

How do I find out more about flood coverage?

You can learn more through the federal National Flood Insurance Program (NFIP) ( The federal government makes flood insurance available within participating communities.

Where do I buy flood insurance?

You buy it through an insurance agent or company. The company you select:

  • Handles the premium billing and collection
  • Issues the policy
  • Facilitates any claims on behalf of the federal government

Who do I contact for more help with flood insurance?

How do I file a FEMA disaster claim?

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