Federal Flood Insurance Resources And Help

Flooding is usually only covered by federal flood insurance. Areas that were once relatively dry, and not subject to flooding - are now experiencing some level of flooding. Therefore, it is important that you be aware of the types of federal flood insurance that are available to you, and where to go to find out information about them.

Flood Smart.gov

Flood Smart.gov is the website of the national flood insurance program. The National Flood Insurance Program (NFIP) was created in 1968 by Congress as a vehicle for property owners to financially protect themselves in the event of flooding. The NFIP offers flood insurance policies to homeowners, renters and business owners in communities that participate in the NFIP. Communities that participate in the NFIP have agreed to adopt and enforce building codes, regulations and ordinances that meet or exceed FEMA requirements to help reduce the risk of flooding.

On the Flood Smart.gov website, you can find a wealth of information about flooding and flood risks. For example, you can view information on what causes flooding as well as the flood hazard maps for your area. Flood hazard maps are maps that help assess flooding risks for a particular area. In addition, you can even find out about what types of flood insurance coverage are available for you. You can choose from policies with as little or as much flood coverage you may need. However, you should be aware that the higher the risk for flooding in your area, the more expensive the policy will be.

The Federal Emergency Management Agency (FEMA)

The FEMA website also has a lot of information about floods, floodplains and flood maps. In addition, it also has membership requirements for communities that wish to join the NFIP. FEMA also has a lot of good information about flood insurance you can view, such as flood insurance publications and statistics that will give you information about claims and claims processing statistics in your area. Furthermore, you can ask flood related and flood insurance related questions to flood experts at FEMA. The flood experts with the Federal Emergency Management Agency allow you to directly contact them on their website and ask questions regarding flood hazards and flood insurance.

Additionally, FEMA provides information for homeowners and renters about insurance requirements in different areas of the country. You can also view contact information for a regional FEMA offices. If you have further questions regarding federal flood insurance, officials as a regional FEMA can offer assistance or direct you the appropriate source for more information.

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