Flood Insurance​

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The National Flood Insurance Program aims to reduce the impact of flooding on private and public structures. It does so by providing affordable insurance to property owners and by encouraging communities to adopt and enforce floodplain management regulations.

You should know that flood damage isn't typically covered by a homeowners insurance policy. Some insurance agents can help you purchase an NFIP flood policy.

Flood insurance isn't just for homes in high-risk areas. The The Federal Emergency Management Agency (FEMA) says that all 50 states have experienced floods or flash floods in the past five years, and that more than 20 percent of the claims it handles come from the moderate- to low-risk regions.