National Flood Insurance Program

The National Flood Insurance Program (NFIP) is administered by the Federal Emergency Management Agency (FEMA), which works closely with private insurance companies to offer flood insurance.  In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves.

Since standard homeowners insurance doesn’t cover flooding, it’s important to have protection from floods associated with heavy rains, melting snow, or other conditions that impact the City.

The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP.  Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding.

Flood insurance protects two types of property: Building and contents; but neither covers the land they occupy.

Building coverage includes:

  • The insured building and its foundation
  • The electrical and plumbing system
  • Central air conditioning equipment, furnaces, and hot water heaters
  • Permanently installed carpeting over unfinished flooring

Contents coverage includes:

  •  Clothing, furniture, and electronic equipment
  •  Curtains
  •  Portable and window air conditioners
  •  Portable microwaves and dishwashers
  •  Carpeting that is not already included in property coverage
  •  Clothing washers and dryers