National Flood Insurance Program-NFIP

The National Flood Insurance Program (NFIP) 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. These efforts help mitigate the effects of flooding on new and improved structures. Overall, the program reduces the socio-economic impact of disasters by promoting the purchase and retention of general risk insurance, but also of flood insurance, specifically. 

CRS, Substantial Damage FAQ Quick guide for Floodplain Management

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Purchasing and maintaining your flood insurance is one of the most important steps residents can take to protect the lives they’ve built. Just one inch of water in a home can cause up to $25,000 in damage. Most homeowner’s and renter’s policies do not cover flood damage. Call your insurance agent and get quotes for different levels of flood insurance coverage. To find a provider, call 1-800-427-4661 or visit www.floodsmart.gov. Don’t delay, new policies typically take up to 30 days to go into effect. 

  

General information on the NFIP 

·Website: For consumers: https://floodsmart.gov 

·Website: For insurance agents: https://agents.floodsmart.gov 

·Handbook: For insurance commissioners and others: https://www.fema.gov/sites/default/files/2020-05/NFIPDeskReferencev18_508_V4.1.pdf 

·Fact Sheet: For real estate agents: https://www.fema.gov/sites/default/files/2020-05/F-435_508_01Dec17.pdf 

Before a storm: 

·Website: What To Do Before A Flood: https://www.floodsmart.gov/community 

·Website: Information on reducing/avoiding flood damage: https://agents.floodsmart.gov/index.php/client-support/prepare 

·Fact Sheet: Flood Loss Avoidance: https://www.fema.gov/sites/default/files/2020-05/Loss_Avoidance_Fact_Sheet_Consumers_508.pdf 

·Fact Sheet: Flood Loss Avoidance in Spanish: https://www.fema.gov/sites/default/files/2020-07/fema_nfip_understanding-flood-loss-avoidance_policyholders_spanish.pdf 

·Fact Sheet: Understanding Flood Loss Avoidance for Agents: https://www.fema.gov/sites/default/files/2020-07/fema_nfip_understanding-flood-loss-avoidance_agents.pdf 

·Infographic: Flood Loss Avoidance: https://www.fema.gov/media-library-data/1591371468334-ccb9a322b8179c5e94bc31107d7baf65/101927-002_FEMA_Flood-Avoidance_infographic_May2020_r8_508.pdf 

·Tool Kit: General flood safety social media from Ready.gov: https://www.ready.gov/flood-toolkit 

·Video: Flood Loss Avoidance: https://www.youtube.com/watch?v=5Xho8p76t8M 

·Video: Flood Loss Avoidance in Spanish: https://www.youtube.com/watch?v=BXUvBLuD5a8 

·Video: Securing Documents In Preparation for a Flood: https://www.youtube.com/watch?v=Hv72vbKmRzc 

·Video: Securing Documents In Preparation for a Flood in Spanish: https://www.youtube.com/watch?v=BE-wOm6GkN8 

·Library: NFIP Marketing Resource Library with hundreds of assets including social media posts, videos, fact sheets, templated letters to potential customers and other products for you to communicate the value of flood insurance: https://agents.floodsmart.gov/marketing/resource-library 

Filing Your Claim: 

·Website: How To Start Filing Your Claim: https://www.floodsmart.gov/index.php/start 

·Fact Sheet: How To File Your Flood Insurance Claim: https://www.fema.gov/sites/default/files/2020-07/fema_nfip_how-to-file-flood-insurance-claim.pdf 

·Fact Sheet: How To File Your Flood Insurance Claim in Spanish: https://www.fema.gov/sites/default/files/2020-07/fema_nfip_how-to-file-flood-insurance-claim_spanish.pdf 

·Fact Sheet: Starting Your Recovery: FEMA’s Flood Insurance Claims Process: https://www.fema.gov/sites/default/files/2020-07/fema_nfip_Starting-Your-Recovery_2020.pdf 

·Fact Sheet: Starting Your Recovery: FEMA’s Flood Insurance Claims Process in Spanish: https://www.fema.gov/sites/default/files/2020-07/fema_nfip_Starting-Your-Recovery-Spanish_2020.pdf 

·Graphic: Who’s Knocking At Your Door: https://www.fema.gov/sites/default/files/2020-07/fema_nfip_who-knocking-your-door.pdf 

·Video: How To Document Damage: https://www.youtube.com/watch?v=SAAtqAIKY2I 

·Graphic: Who’s Knocking At Your Door in Spanish: https://www.fema.gov/sites/default/files/2020-07/fema_nfip_who-knocking-your-door_spanish.pdf 

Recovering from a flood: 

·Website: How To Document Damage And Begin Clean-Up: https://www.floodsmart.gov/index.php/flood/document-damage 

·Handbook: NFIP Claims Handbook: https://www.fema.gov/sites/default/files/2020-05/FINAL_ClaimsHandbook_10252017.pdf 

·Fact Sheet: Build Back Safer & Stronger: https://www.fema.gov/sites/default/files/2020-05/Build_Back_Safer_and_Strong_Fact_Sheet_07112018.pdf 

·Fact Sheet: Salvaging Water-Damaged Family Valuables and Heirlooms: https://www.fema.gov/sites/default/files/2020-05/SalvagingFamilyValuables_sept2018.pdf 

·Graphic: Coming Home After A Flood: https://www.fema.gov/sites/default/files/2020-07/fema_nfip_Coming-Home-Infographic.pdf 

·Website: Reducing Future Flood Damage: https://www.floodsmart.gov/flood/mitigating-flood-damage 

Information for Insurance Agents: 

·Fact Sheet: Flood Insurance, Make It Your Business: https://www.fema.gov/sites/default/files/2020-05/101844-004_FEMA2019_MakeItYourBusinessUpd_8.5X11.pdf 

·Handbook: Flood Insurance Agent Field Guide: https://www.fema.gov/sites/default/files/2020-05/AgentFieldGuide_jan142019.pdf