Fact Sheet

Main Content
Release date: 
August 12, 2004
Release Number: 

Each year, hurricanes bring flooding to communities up to hundreds of miles from the coast. Some of the greatest rainfall comes from weaker storms that stall over an area. This hurricane season, make sure you're protected from flood damage. Know the facts about flood insurance and learn how to have a FloodSmart home.

What You Should Know About Flood Insurance

  • Homeowners insurance does not usually cover floods. Only flood insurance protects you from flood damage.

  • The risk is real. One in four flood loss claims is filed in lower risk zones.

  • Low-cost policies are available to protect homes and businesses in low and moderate risk areas.

  • The time to act is now. It takes 30 days after purchase for a flood insurance policy to take effect, so don't wait for a storm to consider buying insurance.

  • Here's how to begin. Call your insurance agent, visit www.FloodSmart.gov or call 1-800-427-2419 to learn about policy options for residential and commercial properties in your area.

Learn More at www.FloodSmart.gov

Visit www.FloodSmart.gov or call 1-800-427-2419 to find out how to prepare for a flood, assess your property's potential risk, estimate the cost of flood insurance, find local insurance agents, and get links to other community-based information.

Be prepared for the unexpected with an action plan for your family, home, and property. Visit www.ready.gov and www.fema.gov for additional information.

On March 1, 2003, FEMA became part of the U.S. Department of Homeland Security. FEMA's continuing mission within the new department is to lead the effort to prepare the nation for all hazards and effectively manage federal response and recovery efforts following any national incident. FEMA also initiates proactive mitigation activities, trains first responders and manages the National Flood Insurance Program and the U.S. Fire Administration.

Last Updated: 
July 16, 2012 - 18:46
State/Tribal Government or Region: 
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