National Flood Insurance Program

National Flood Insurance Program

Congress established the National Flood Insurance Program in 1968 to minimize and prevent future losses from flooding. There are two parts to the program: community involvement through better building and zoning laws and floodplain management, and financial protection through federally backed, affordable flood insurance protection for property owners.  The Federal Emergency Management Agency (FEMA) administers the National Flood Insurance Program.

Who Participates in the National Flood Insurance Program?

Property owners and renters cannot purchase flood insurance from a qualified agent unless their community participates in the National Flood Insurance Program and abides by recommended flood hazard mitigation. Once a community decides to participate, FEMA provides it with a Flood Insurance Rate Maps (FIRM) and a detailed engineering study, called a Flood Insurance Study (FIS). Each community is eligible for higher levels of insurance as they adopt more and comprehensive floodplain management recommendations.

Hagerty works with coastal communities throughout the United States helping them mitigate flood losses and participate in the National Flood Insurance Program. Do not let the process deter your community from being protected. Ask an expert for assistance so that your area may benefit.

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