The National Flood Insurance Program 1

The National Flood Insurance Program

The National Flood Insurance Program is designed to reduce the impact of flooding on private, and open, public structures. It can so by providing affordable insurance to homeowners, renters, and businesses and by encouraging communities to adopt and enforce floodplain management regulations. These initiatives help mitigate the consequences of flooding on improved and new constructions. 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.

Watch this short interesting video, Why do I Need to Rethink Insurance? This year (2018) the NFIP celebrates 50 years of protecting people in the United States against the perils of flood damage. My home or business just flooded–What should I do? Today means preparing your home or workplace Protecting yourself, collecting resources 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 go to the NFIP publications page (see “Through the Flood”) for more information in what to do before and throughout a flood. STAY INFORMED: Learn actions you can take now to remain safe from flooding credited to large storms like hurricanes. It is important to stay informed in what is happening with the surprise as it approaches and always follow the instructions of local crisis management officials.

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TAKE PHOTOS: When you have contents coverage on your flood insurance policy and you also haven’t already done so, take photos of clothing, flooring, light fixtures, appliances, furniture, etc.–anything that might be damaged by the flood. Having this assists if you finish up filing an overflow insurance state later. If you are 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. Install a water alarm will also let you know if water is accumulating in your cellar. Clear debris from gutters and downspouts. Anchor any fuel tanks. Move furniture, belongings, and important documents to a safe place.

Community and state-market leaders, insurance industry experts, as well as policyholders, renters, homeowners, and businesses will see its resources helpful. We’ve organized this guide to provide succinct information within an easy-to-navigate document and included important, key contact information. To make sure it could be updated as the program evolves, this record has been released electronically. Read about everything from mitigating your home to reduce flood damage to information about weather alerts and how to stay safe if it is flooding in, How exactly to Plan a Flood. Information for Policyholders, Help with or without a Disaster Declaration. I don’t have flood insurance–Why do I need it?