What you need to know about flooding and flood insurance.

Flooding can occur any where at any time of the year resulting from many different causes:  flash floods, excessive rain, snow melts, mudflows, dam downstream hazard potential, closed basin lake overflow and uncertain flow paths from urban development.

For a property owner (residential or commercial) their insurance protection is provided thru the purchase of a National Flood Insurance Program (NFIP) policy that is available either from the NFIP direct or a Write-Your-Own (WYO) company.    The coverage is one of the federal flood insurance programs.  Consumers can only obtain a flood policy through a licensed insurance agent.  For more information, visit www.independentagent.com/flood.

The NFIP has produced the following articles, resources and brochures for your use:

 

After the Flood - Fact Sheet	Answers to Tough Questions
Appealing Your Flood Insurance Claim	Disaster Response Steps
Facts and Figures	Filing Your Flood Insurance Claim
NFIP Key Contacts	Flood Insurance & Flood Maps
Flood Insurance: How it Works	Flood Preparations Safety Brochure
Flood Risks Across the Country	FloodSmart Campaign
FloodSmart.gov	Hurricane Season Fact Sheet
Levee Facts - General Audience	Living Behind Levees
Managing Flood Insurance Claims Brochure	Media Resources
NFIP Flood Insurance Claims Handbook	The NFIP & Levees
NFIP Summary Coverage	Increased Cost of Compliance
Personal Property Coverage	Protecting Communities from Floods
NFIP Resources	Saving on Flood Insurance
State Flood Fact Sheet	Talking Points - After the Flood
Talking Points - Flood Insurance 101	Talking Points - Flood Maps
Talking Points - Repetitive Loss	Talking Points - Understanding Your Flood Insurance
West Coast Rainy Season	Why You Need Flood Insurance Brochure
Winter Flooding	Insurance Outreach Toolkit for Flood Map Updates