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New Flood Insurance

National Flood Insurance Program (NFIP) | Federal Emergency Management Agency (FEMA)

1. How it Works

The National Flood Insurance Program (NFIP) protects your home and belongings in the event of a flood. Traditional homeowners insurance does not cover flood damage. A federal flood insurance policy is the only way to make sure your home is covered. Flood Insurance is also federally required for some homeowners.

  • Where it can rain, it can flood. Even if your home is not on the coast, flood insurance is available.
  • Policies are available for all NYC residents, including renters and business owners.
  • You are federally required to have flood insurance if:
    • you live in a high risk flood zone and have a federally backed mortgage; or
    • you previously received federal disaster assistance for flood damage
  • Flood insurance covers losses directly caused by flooding. There are insurance policies to cover your building or belongings.
  • Even though it’s a federal program, you can buy a flood insurance policy through a private insurer.
    • NFIP sets standard flood insurance rates based on your property.
    • Regardless of the insurance agent, you should get the same quote for the same policy. You don’t need to shop around.
  • FEMA determines flood insurance rates based on several factors, such as the location of the home.

2. Determine your eligibility

Anyone in NYC can buy flood insurance.

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3. How to Apply

3. How to apply

Here are your options.

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Last Updated Thursday, July 22nd, 10:35am

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