Floodsmart.gov The official site of the National Flood Insurance Program

Call toll free: 1-888-379-9531 or have us call you

Homeowner

Flood insurance isn't federally required in moderate- to low-risk areas, but it's still a good idea. In fact, people in these areas file more than 20 percent of all National Flood Insurance Program (NFIP) flood insurance claims. Most homeowners in moderate- to low-risk areas can get coverage at a reduced rate. Preferred Risk Policy (PRP) premiums, the lowest premiums available through the NFIP, offer building and contents coverage for one low price. If you don't qualify for a PRP, a standard-rated policy is still available.

If you live in a high-risk area, you are required to purchase flood insurance if you have a mortgage through a federally regulated or insured lender. A standard-rated policy offers separate building and contents coverage.

The Dwelling Policy Form provides insurance for buildings with one to four units, including single-family condominium units and townhouses. The General Property Policy Form provides insurance for other residential and commercial buildings. Both forms offer the option of insuring the building's contents.

Premiums are calculated based on factors such as:

• Year of building construction.
• Building occupancy.
• Number of floors.
• Location of its contents.
• Flood risk (e.g., its flood zone).
• Location of the lowest floor in relation to the Base Flood Elevation on the flood map.
• Deductible and amount of building and contents coverage.

Learn your flood risk and find agents in your area by completing your One-Step Flood Risk Profile on this page. Or enter your ZIP code to find an agent.