The National Flood Insurance Program (NFIP) is managed by the FEMA and is delivered to the public by a network of more than 50 insurance companies and the NFIP Direct. Floods can happen anywhere — just one inch of floodwater can cause up to $25,000 in damage. Most homeowners insurance does not cover
flood damage. Flood insurance is a separate policy that can cover buildings, the contents in a building, or both, so it is important to protect your most important financial assets — your home, your business, your possessions. The NFIP provides flood insurance to property owners, renters and businesses, and having this coverage helps them recover faster when floodwaters recede. The NFIP works with communities required to adopt and enforce floodplain management regulations that help
mitigate flooding effects. Flood insurance is available to anyone living in one of the 23,000 participating NFIP communities. Homes and businesses in high-risk flood areas with mortgages from government-backed lenders are required to have flood insurance. For more information about what’s covered and to find a policy visit
FloodSmart.gov. To purchase flood insurance, call your insurance company or insurance agent, the same person who sells your home or auto insurance. If you need help finding a provider go to
FloodSmart.gov/flood-insurance-provider or call the NFIP at 877-336-2627. Plan ahead as there is typically a 30-day waiting period for an NFIP policy to go into effect, unless the coverage is mandated it is purchased as required by a federally backed lender or is related to a community flood map change. FloodSmart.gov  Become a Seller and ServicerWork With the NFIPFEMA administers the NFIP and it is a partnership between the federal government, the property and casualty insurance industry, states, local officials, lending institution, and property owners. Each year, more than 50 private insurance companies participate in the Write-Your-Own (WYO) program selling and servicing NFIP policies through their insurance agents. FEMA retains responsibility for underwriting flood insurance coverage sold under that program and by the NFIP Direct. There are more than five million policyholders nationwide and the NFIP is the nation’s largest single-line insurance program providing nearly $1.3 trillion in coverage against flood. NFIP Direct Flood Insurance ResourcesNFIP offers a wide range of publications, videos, graphics and online tools that help policyholders, agents and other servicers navigate the flood insurance process before, during and after disaster. Digital resources can be downloaded, and certain print publications can be ordered for free. Find an Insurance Form Insurance Outreach Publications Flood Insurance Fact Sheets
Work with the NFIPWe provide reports on the National Flood Insurance Program's (NFIP) financials and offer guidance on conducting daily operations for existing and new NFIP sellers and servicers. Find information on the Write-Your-Own program, reinsurance, Risk Rating 2.0, plus the Flood Insurance Manual and other tools. View All Programs and Tools Understand NFIP Laws and ReformCongress established the NFIP on August 1, 1968, with the passage of the National Flood Insurance Act (NFIA) of 1968, which has been modified over the years. Learn about legislative changes to and the future of the National Flood Insurance Program. See Rules & Legislation Media ResourcesFind resources members of the media can use ahead of flood events. Access the history of the NFIP, facts about the program, information on flooding and flood risk, guidelines for using the logo, and more. Media Toolkit ContactHelena, Mont. – Your house has never flooded. You have a homeowner's insurance policy. You're thinking, "I'm covered." Maybe not. Many Montana residents may believe they don't need to buy flood insurance because they don't live in a high-risk flood zone, but flooding can happen anywhere, often to the surprise of residents who thought they were covered for disasters. Unfortunately, when flooding happens, the damage is not covered by most homeowners' insurance policies. One inch of floodwater can cause up to $25,000 of damage in a home. Flooding in Montana is not uncommon. Yet less than 11% of structures in Carbon, Park, Stillwater or Yellowstone counties are covered by flood-insurance policies issued by the National Flood Insurance Program (NFIP). Following June’s recent flooding, 103 policyholders filed flood claims with a total payout of over $3 million as of Aug. 9. Many residents in Carbon, Park, Stillwater, and Yellowstone counties live in designated high-risk flood zones. However, it doesn’t matter whether the flood insurance policyholders of the NFIP in these counties live in designated high-risk, low-risk or moderate-risk flood zones. Floods can occur in any zone, including those where there is not a requirement to purchase flood protection. Property owners can protect themselves from financial losses by having a flood insurance policy through the NFIP. Flood insurance coverage is available regardless of federal disaster declarations. There is a 30-day waiting period before new policies go into effect, so don't wait to obtain a policy. In Montana, 136 communities participate in the NFIP. Residents can purchase a flood insurance policy if their community, including city, county or tribe, participates in the NFIP, no matter their flood risk. The following communities currently participate in the NFIP: Carbon County (unincorporated areas), Bear Creek, Bridger, Fromberg, Joliet, Red Lodge Park County (unincorporated areas), Livingston, Clyde Park Stillwater County (unincorporated areas), Columbus Yellowstone County (unincorporated areas), Billings, Laurel Coverage is available for residential and commercial buildings and the contents therein:
How to buy:
Contact the FEMA Mitigation Helpline at 833-FEMA-4-US (833-336-2487) for information on resilient building practices. Mitigation specialists are available Monday through Friday from 8:00 a.m. to 4:30 p.m. MDT. You can also email the team at . For more information about FEMA’s support to Montana’s flooding and severe storms recovery, visit www.fema.gov/disaster/4655. Follow the FEMA Region 8 Twitter account at https://twitter.com/femaregion8. |
Floods are covered under most homeowners insurance policies
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