Know the standard maximums
For most one-to-four-family homes, NFIP coverage is available up to $250,000 for the building and $100,000 for contents. Commercial maximums are generally $500,000 for each.
Federal flood coverage
How NFIP flood insurance works.
Learn about National Flood Insurance Program coverage for homes, condos, renters, and businesses in participating communities.
A good place to start
Tell us about the property and what you want to protect.
The National Flood Insurance Program is administered by FEMA and sold through participating insurers and agents. The policy form is standardized, while the property details and rating inputs shape the premium.
Plan around the waiting period
A new NFIP policy generally takes effect 30 days after purchase, with defined exceptions such as certain mortgage transactions.
Building and contents claims work differently
Each coverage has its own limit and deductible, and contents under the NFIP are generally settled on an actual-cash-value basis.
Helpful information
Questions to answer before coverage begins
This page summarizes general program features. FEMA’s current policy form and declarations control the actual coverage.
- Does the community participate in the NFIP?
- Which form applies to the building?
- Are both building and contents needed?
- What are the separate deductibles?
- Does a waiting-period exception apply?
- What restrictions apply below the lowest elevated floor?
Helpful resources
Check the details from trusted sources.
These official resources can help with program rules and flood maps. Your issued policy is always the final word on coverage.
Questions we hear often
Know what to ask before you decide.
These answers are a helpful starting point. Your policy documents and confirmation from the insurer provide the final answer.
Who can buy NFIP flood insurance?
Eligible property owners, renters, and businesses in NFIP-participating communities can generally purchase coverage, subject to program rules.
Is the NFIP only for high-risk zones?
No. NFIP coverage can be available in participating communities outside Special Flood Hazard Areas as well.
When does an NFIP policy begin?
The usual waiting period is 30 days, but FEMA recognizes specific exceptions. Confirm the effective date before relying on coverage.
We’re happy to help
Need a flood insurance quote?
Tell us what you know about the property. We’ll help with the rest and explain your options in plain language.