![]() The National Flood Insurance Program provides coverage for up to $250,000 for the structure of the home and $100,000 for personal possessions. Click here to get started on a Flood Insurance quote today or click here to find and call a local office near you.įlood Insurance is governed by the National Flood Insurance Program (NFIP). Flood Insurance is crucial in the event of a major weather event causing wide spread flooding in an area and it covers things that a traditional Home Insurance or Renters Insurance policy would not. Other information on flood insurance can be found in the Department’s Insuring Your Home Brochure.Depending where your home is located, especially if it is near a body of water, you may be required to carry Flood Insurance on your Home or even where you are just a Renter. You may want to compare the rates for these companies with the Federal Program. The Department on its website has a listing available for those carriers that write private flood insurance. The Department therefore cannot advise property owners how best to proceed in the face of the changing landscape of flood insurance. Importantly, because FEMA NFIP is a federal program, the Department exercises no regulatory authority or control over NFIP. FEMA encourages property owners with questions about NFIP flood insurance generally, questions about whether they are in, or may be moved into, the floodplain or questions about the anticipated adoption of new FIRMs and other changes in the flood insurance law, to contact FEMA’s Office of the Flood Insurance Advocate.
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