National Flood Insurance Program (NFIP)

The National Flood Insurance Program (NFIP) will expire on November 21, 2019, denying necessary insurance coverage to 5 million Americans in more than 22,000 communities nationwide. Congress must act now to reform and extend the NFIP.

The National Flood Insurance Program aims to reduce the impact of flooding on private and public property by providing affordable insurance to property owners, renters, and businesses, and by encouraging communities to adopt and enforce floodplain management regulations. By providing up to $350,000 of flood insurance coverage where required for a federally backed mortgage, it is an alternative to taxpayer-funded disaster assistance. While there is a growing market for private flood insurance, for many, the NFIP continues to be the primary source of asset protection against flooding, the most common and costly natural disaster in the United States.

Learn more.

  • Flood insurance policies typically take 30 days to go into effect—don’t wait until it’s too late. Visit to learn more about your flood risk. #FloodSmart
  • FACT: Just one inch of flooding in your home can cause $25k in damage. This hurricane season, protect the life you’ve built: buy flood insurance. #FloodSmart
  • Hurricanes are unpredictable—you can’t control them, but you can prepare for them. Visit to learn more. #FloodSmart

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Federal Emergency Management Agency (FEMA) Resources

National Preparedness Month

Flood Smart Website

Frequently Asked Questions

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