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Find Flood Maps and Insurance | Homeland Security
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</li> <li class="usa-sidenav__item" > <a href="/get-a-homeland-security-job"> <span>Get a Homeland Security Job</span> </a> </li> <li class="usa-sidenav__item" > <a href="/LEP-resources"> <span>Law Enforcement Resources</span> </a> </li> <li class="usa-sidenav__item" > <a href="/move-united-states"> <span>Move to the United States</span> </a> </li> <li class="usa-sidenav__item" > <a href="/prepare-my-family-disaster"> <span>Prepare My Family for a Disaster</span> </a> </li> <li class="usa-sidenav__item" > <a href="/report-suspicious-activity"> <span>Report Suspicious Activity</span> </a> </li> <li class="usa-sidenav__item" > <a href="/submit-freedom-information-act-foia-request"> <span>Submit a FOIA Request</span> </a> </li> <li class="usa-sidenav__item last" > <a href="/verify-employment-eligibility-e-verify"> <span>Verify Employment Eligibility</span> </a> </li> </ul> </ul> </div> </aside> <div class="region-content tablet:grid-col-12 desktop:grid-col-9"> <div class="region region-content"> <div data-drupal-messages-fallback class="hidden"></div><div id="block-dhs-uswds-subtheme-pagetitle" class="block block-core block-page-title-block"> <h1 class="uswds-page-title page-title">Find Flood Maps and Insurance</h1> </div> <div id="block-mainpagecontent" class="block block-system block-system-main-block"> <article lang="en"> <div> <div class="field field--name-body field--type-text-with-summary field--label-hidden field__item"><p>Flooding is America's number one natural disaster, and all it takes is a few inches of water to cause major damage to your home and its contents. You can get flood insurance for as little as $171 a year (as of April 2018, for a Preferred Risk Policy. This price is for a single family, no basement/no enclosure home used as a primary residence with $20,000 building coverage and $8,000 contents coverage). Be aware that most policies take 30 days to go into effect, so the time to prepare is now.</p> <p>Flooding can happen anywhere, but certain areas are especially prone to serious flooding. To help communities understand their risk, flood maps (Flood Insurance Rate Maps, FIRMs) have been created to show the locations of high-risk, moderate-to-low risk and undetermined-risk areas. These are the maps used by citizens, government, insurance agents and banks to determine whether flood insurance is required.</p> </div> <div class="field field--name-field-paragraphs field--type-entity-reference-revisions field--label-hidden field__items"> <div class="field__item"> <div class="paragraph paragraph--type--section paragraph--view-mode--default paragraph--id--2888 usa-accordion usa-section-accordion" id='accordion-2888'> <h2 class="usa-accordion__heading"> <button id="btn-acc2888" aria-controls="acc2888" aria-expanded="false" class="usa-accordion__button">Flood Insurance</button> </h2> <div class="usa-accordion__content usa-prose" id="acc2888"> <div class="grid-col-fill"> <div class="field field--name-field-content field--type-entity-reference-revisions field--label-hidden field__items"> <div class="field__item"> <div class="paragraph paragraph--type--text-field paragraph--view-mode--default"> <div class="grid-col-fill"> <div class="field field--name-field-body field--type-text-long field--label-hidden field__item"><p>Did you know that nearly 20 percent of flood insurance claims come from moderate to low risk areas? In moderate-to-low risk areas, the risk of being flooded is reduced but not completely removed.</p> <p>These areas not only submit over 20 percent of flood insurance claims, but also receive one-third of disaster assistance for flooding. Flood insurance isn’t federally required in moderate-to-low areas, but it is recommended for all property owners and renters.</p> <p>Since most homeowners’ insurance policies do not cover the costs of flood damage, Congress created the The National Flood Insurance Program (NFIP). It offers flood insurance to participating homeowners, renters, and business owners. Communities that participate agree to adopt and enforce ordinances that meet or exceed FEMA requirements for reducing flood risks.</p> <p>DHS/FEMA provides an online hub where homeowners can take action to research their eligibility and acquire flood insurance called “Floodsmart.gov.”</p> <p><strong>Learn More</strong></p> <ul> <li><a href="http://www.fema.gov/national-flood-insurance-program">National Flood Insurance Program</a></li> <li><a href="http://www.floodsmart.gov/">Floodsmart.gov</a></li> </ul></div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="field__item"> <div class="paragraph paragraph--type--section paragraph--view-mode--default paragraph--id--10167 usa-accordion usa-section-accordion" id='accordion-10167'> <h2 class="usa-accordion__heading"> <button id="btn-acc10167" aria-controls="acc10167" aria-expanded="false" class="usa-accordion__button">Flood Maps</button> </h2> <div class="usa-accordion__content usa-prose" id="acc10167"> <div class="grid-col-fill"> <div class="field field--name-field-content field--type-entity-reference-revisions field--label-hidden field__items"> <div class="field__item"> <div class="paragraph paragraph--type--text-field paragraph--view-mode--default mobile-edge-padding"> <div class="grid-col-fill"> <div class="field field--name-field-body field--type-text-long field--label-hidden mobile-edge-padding field__item"><p>Federal Emergency Management Agency (FEMA) defines the flood-related special hazard areas and the risk premium zones on community maps called Flood Insurance Rate Maps (FIRMs). </p> <p>FIRMs are the most widely distributed products of the National Flood Insurance Program. You can find along with Flood Insurance Study reports by visiting the online<a href="https://msc.fema.gov/portal"> Map Service Center</a>. Maps can be viewed for free or purchased. You can also create a customized FIRMette on your computer to get a true-to-scale map to determine the property location relative to the Special Flood Hazard Area.</p> <p>FEMA Map Information eXchange (FMIX) has Map Specialists are available for calls and online chats from Monday to Friday, 9:00 am to 5:00 pm Eastern Standard Time (Eastern Daylight Time).</p> <p><strong>Learn More</strong></p> <ul> <li><a href="https://www.floodmaps.fema.gov/fhm/fmx_main.html">FEMA Map Information eXchange (FMIX)</a></li> </ul></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <ul class="usa-collection__meta clearfix"> <h2>Topics</h3> <li class="usa-collection__meta-item usa-tag"><a href="/topics/disasters" aria-label="View content tagged with the Topic: Disasters" hreflang="en">Disasters</a></li> </ul> <ul class="usa-collection__meta clearfix"> <h2>Keywords</h3> <li class="usa-collection__meta-item usa-tag"><a href="/keywords/federal-insurance-and-mitigation-administration-fima" aria-label="View content tagged with the Keyword: Federal Insurance and Mitigation Administration (FIMA)" hreflang="en">Federal Insurance and Mitigation Administration (FIMA)</a></li> <li class="usa-collection__meta-item usa-tag"><a href="/keywords/flood-mapping" aria-label="View content tagged with the Keyword: Flood Mapping" hreflang="en">Flood Mapping</a></li> <li class="usa-collection__meta-item usa-tag"><a href="/keywords/flooding" aria-label="View content tagged with the Keyword: Flooding" hreflang="en">Flooding</a></li> <li class="usa-collection__meta-item usa-tag"><a href="/keywords/how-do-i-public" aria-label="View content tagged with the Keyword: How Do I - For the Public" hreflang="en">How Do I - For the Public</a></li> <li class="usa-collection__meta-item usa-tag"><a href="/keywords/how-do-i" aria-label="View content tagged with the Keyword: How Do I?" hreflang="en">How Do I?</a></li> <li class="usa-collection__meta-item usa-tag"><a href="/keywords/national-flood-insurance-program-nfip" aria-label="View content tagged with the Keyword: National Flood Insurance Program (NFIP)" hreflang="en">National Flood Insurance Program (NFIP)</a></li> </ul> </div> </article> </div> <div id="block-lastupdated" class="last-updated"> <span>Last Updated:</span> 06/28/2022 </div> <div class="wcm-node-feedbackfeedback usa-form block block-wcm-node-feedback" data-drupal-selector="wcm-node-feedbackfeedback" id="block-feedback"> <div id="feedback-form-container"><form action="/find-flood-maps-and-insurance" method="post" id="wcm-node-feedbackfeedback" accept-charset="UTF-8"> <input data-drupal-selector="edit-node-id" type="hidden" name="node_id" value="7273" /> <fieldset data-drupal-selector="edit-wcm-node-feedback-intro-question" id="edit-wcm-node-feedback-intro-question--wrapper" class="fieldgroup form-composite usa-fieldset js-form-item form-item js-form-wrapper form-wrapper"> <legend class="usa-legend"> <span 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