Insurance Professionals & Lenders

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As part of the Department of Homeland Security, the Federal Emergency Management Agency (FEMA) administers the National Flood Insurance Program (NFIP), which is the cornerstone of the Nation's strategy for reducing the financial and physical impact of flood disasters.

Congress mandated federally regulated lenders to require flood insurance for all buildings located in a high-risk Special Flood Hazard Area (SFHA) that have a mortgage. Because insurance agents agree to sell and service flood insurance to property owners, both agents and lenders are an important part of this strategy.

To keep up with the latest developments in Flood Hazard Mapping, please visit What's New in Flood Hazard Mapping. You can also sign up for e-mail updates using the "Flood Hazard Mapping News e-mail updates" link at the top of this page.

For more information you may e-mail or call a Map Specialist in the FEMA Map Information eXchange; toll free, at 1-877-FEMA MAP (1-877-336-2627)

How to View and Obtain Flood Maps

You may view and order copies of the effective maps and other NFIP products through the Map Service Center. Your local Community Map Repository, usually located in the planning and zoning office, also has copies of flood maps. Please call the FEMA Map Information eXchange, toll free at 1-877-FEMA MAP (1-877-336-2627), or e-mail a Map Specialist to determine the location of your Community Map Repository.

View your Community’s Preliminary Flood Hazard Data

Preliminary flood hazard data provide an early look at your home or community’s risk to flood hazards. There are many benefits to viewing your community’s data before it becomes effective. For more information, visit the Preliminary Flood Hazard Data page.

Products, Services, and Publications

FEMA has developed pages containing information more specifically designed for Insurance Professionals and Lenders. Additionally, the FloodSmart site contains a great deal of useful information and offers free and convenient agents-only resources, tools and services

Frequently Asked Questions

Go to Frequently Asked Questions for Insurance Professionals and Lenders.

Fast Facts

Flood insurance fast facts:

  • Currently there are 5.5 million flood insurance policies in force in more than 21,000 communities
  • There is generally a 30-day waiting period before flood insurance goes n to effect
  • 20-25% of all claims paid by the NFIP are outside of high-risk areas

Other Resources

Other references that may be helpful:

For More Information

For more information or additional assistance:

  • Please e-mail a Map Specialist.
  • Please call a Map Specialist in the FEMA Map Information eXchange; toll free, at 1-877-FEMA MAP (1-877-336-2627).
  • Please register to receive updates on FEMA Flood Hazard Mapping activities via e-mail.
Last Updated: 
08/21/2014 - 20:12
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