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If you are a tenant, it is wise to insure your contents. The policy premium is based on several factors, including the flood risk of the building that you occupy.
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 condo owners and renters in moderate- to low-risk areas can obtain coverage at a reduced rate. Preferred Risk Policy premiums, the lowest premiums available through the NFIP, offer building and contents coverage for one low price. If you don't qualify for a Preferred Risk Policy, a standard-rated policy is still available.
If you rent in a high-risk area, a standard-rated policy offers contents coverage.
Premiums are calculated based on factors such as:
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.
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Visit FEMA's Flood Map Service Center to locate your flood map to help determine your flood risk.
500 C Street SW, Washington, D.C. 20472
Disaster Assistance: (800) 621-FEMA, TTY (800) 462-7585
U.S. Department of Homeland Security