The National Flood Insurance Program
FLOOD INSURANCE SOLUTIONS FOR HOMEOWNERS, BUSINESS OWNERS, & RENTERS
The NFIP's pricing approach, Risk Rating 2.0, leverages industry best practices and cutting-edge technology to enable FEMA to deliver rates that are actuarially sound, equitable, easier to understand, and better reflect a property’s individual flood risk.
Homeowners
NFIP offers flood insurance to cover your home, foundation, electrical, plumbing, finishings, appliances, electronics, & personal belongings.
COVERAGE
$250,000 - building
$100,000 - contents
Business Owners
NFIP offers commercial flood insurance policies to cover your foundation, electrical, plumbing, finishings, equipment, furniture, and inventory.
COVERAGE
$500,000 - building
$500,000 - contents
Renters
NFIP offers affordable renters flood insurance to protect your items in the event of a flood. Ask your landlord to be sure they have coverage.
COVERAGE
$100,000 - contents
RCBAP
The Residential Condominium Building Association Policy (RCBAP) insures against direct physical damage to your building from flood.
COVERAGE
$250,000/unit - building
2 TYPES OF COVERAGE
Building & Contents
Building Coverage
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Electrical and plumbing
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Furnaces and water heaters
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Refrigerators, stoves, and built-in appliances (dishwashers)
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Permanently installed carpet and window blinds
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Permanently installed cabinets, paneling, and bookcases
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Foundation walls, anchorage systems, and staircases
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Detached garages, fuel tanks, water tanks/pumps, solar panels
Contents Coverage
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Personal items like clothing, furniture, & electronics
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Curtains
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Washer and dryer
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Portable and window air conditioners
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Microwave oven
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Carpets not included in building coverage
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Valuables like original artwork & furs (up to $2,500)