FEMA Publications

Protect Your Home From Flooding

The National Flood Insurance Program


A woman stands in her flooded living room. There are a couple of inches of water over the floor and she has a shovel and water-proof boots on. The National Flood Insurance Program logo has been embedded into the top left corner of the photo.Español: Programa del Seguro Nacional de Inundación

The National Flood Insurance Program aims to reduce the impact of flooding on private and public structures. It does so by providing affordable insurance to property owners, renters and businesses 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.

For more information, visit www.FloodSmart.gov. Watch this short informative video, Why do I Need to Rethink Insurance?

For information on how to obtain a contents-only policy in Puerto Rico, please visit www.floodsmart.gov/PuertoRico.

This year (2018) the NFIP celebrates 50 years of protecting people in the United States against the perils of flood damage.

Sign Up for GovDelivery updates for the latest information

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This section is Expanded. Click to CollapseMy Home Or Business Just Flooded--What Should I Do?

Start the Flood Insurance claims process

Flood claim appeals and guidance (please note--you cannot appeal a claim until you receive a denial [for some or all of your claim amount] from your insurance company.)

This section is Expanded. Click to CollapseWhat Should I Know And Do Before, During And After A Flood?

You have flood insurance and flooding is expected; what do you do now?

Protecting yourself today means preparing your home or workplace, collecting sources of information, developing an emergency communications plan and knowing what to do when a flood is approaching your home or business.

FEMA’s Flood Loss Avoidance fact sheet is a valuable resource, or visit the NFIP publications page (see "During the Flood") for more information about what to do before and during a flood.

Things to know and do now:

  • STAY INFORMED: Learn things you can do now to stay safe from flooding due to large storms like hurricanes. It’s important to stay informed about what is happening with the storm as it approaches and always follow the instructions of local emergency management officials.
  • TAKE PHOTOS: If you have contents coverage on your flood insurance policy and you haven’t already done so, take photos of clothing, flooring, light fixtures, appliances, furniture, etc.--anything that could be damaged by the flood. Having this can help if you end up filing a flood insurance claim later. If you’re not sure what your flood insurance policy covers, call your insurance agent.
  • REDUCE FLOODING:
    • Make sure your sump pump is working. Then, install a battery-operated backup in case of power failure.
    • Instal a water alarm will also let you know if water is accumulating in your basement.
    • Clear debris from gutters and downspouts.
    • Anchor any fuel tanks.
    • Move furniture, valuables and important documents to a safe place.
  • PROTECT VALUABLE DOCUMENTS: Store copies of irreplaceable documents (such as birth certificates, passports, insurance documents, deeds, etc.) in a safe, dry place. It can also be a good idea to photograph these documents and store the images in a safe place, too.
  • PREPARE YOUR FAMILY: Visit Ready.gov for a complete disaster supply checklist, and to find out how to prepare for and what to do during a power outage.  
  • BE READY TO EVACUATE: Plan and practice a flood evacuation route. Ask someone out of state to be your “family contact” in an emergency, and make sure everyone knows the contact’s address and phone number.
  • PLAN FOR PETS AND ANIMALS: Make a pet and animal plan. Many shelters do not allow pets. Make plans now on what to do with your pets if you are required to evacuate your residence.

Other resources

The National Flood Insurance Program Desk Reference is in three distinct sections:

  • Before the Flood
  • During the Flood, and
  • After the Flood

Community and state leaders, insurance industry professionals, as well as policyholders, renters, homeowners and businesses will find its resources helpful. We have organized this guide to provide succinct information in an easy-to-navigate document and included important, key contact information. To ensure it can be updated as the program evolves, this document has been published electronically.

Read about everything from mitigating your home to reduce flood damage, to information about weather alerts and how to stay safe when it’s flooding in, How to Prepare for a Flood.

Information for Policyholders, Help with or without a Disaster Declaration.

National Flood Insurance Program: Publications

This page shares links to publications about the National Flood Insurance Program. The publications include information about what to do before, during, and after a flood. We also have many of these resources in Spanish.

We also have online materials and publications about the National Flood Insurance Program that may be especially useful for:

Insurance Agents

Real Estate Professionals

State and Local Officials

Please note, some publications listed on this order form are only available online. These and other publications can be downloaded.

This Section is Collapsed. Click to ExpandBefore The Flood

This Section is Collapsed. Click to ExpandDuring The Flood

This Section is Collapsed. Click to ExpandAfter The Flood

This Section is Collapsed. Click to ExpandOrder Forms

This Section is Collapsed. Click to ExpandAdditional Resources

This Section is Collapsed. Click to ExpandThe Watermark (NFIP Financial Statements)

This Section is Collapsed. Click to ExpandAffordability Framework For The National Flood Insurance Program (NFIP)

This Section is Collapsed. Click to ExpandNFIP Desk Reference Guide

This Section is Collapsed. Click to ExpandStill Need Help?