National Flood Insurance Program
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:
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