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A Flood Hazard Boundary Map (FHBM) is based on approximate data and identifies the SFHAs within a community. It is used in the NFIP’s Emergency Program for floodplain management and insurance [...]

Flood hazard areas are determined using statistical analyses of records of riverflow, storm tides, erosion, wave heights, and rainfall; information obtained through consultation with the [...]

Elevating a structure on posts or pilings does not remove a building from the SFHA. If the ground around the supporting posts or pilings is within the floodplain, the building is still at risk. [...]

Elevating a structure on posts or pilings does not remove a building from the SFHA. If the ground around the supporting posts or pilings is within the floodplain, the building is still at risk. [...]

An insured will never be paid more than the value of the covered loss, less deductible, up to the amounts of insurance purchased. Therefore, purchasing insurance to value is an important [...]

The NFIP does not cover damage caused by a loss in progress under any of the flood insurance policies.

A loss in progress occurs when actual flood damage to a building or its contents started before the inception of the policy, or when coverage is added at the insured’s request when a flood is imminent.

A proof of loss—the policyholder’s valuation of claimed damages—is a sworn statement made by the policyholder that substantiates the insurance claim and is required to be submitted to the NFIP or [...]

A flood insurance policyholder should immediately report any flood loss to the insurance company or agent who wrote the policy. If your policy is with our office, you can contact us at [...]

Yes—however, not all buildings are eligible for ICC coverage. To be eligible for ICC coverage, a building must be declared substantially damaged, and there must be mitigation activities to reduce [...]