U.S. flag

Un site officiel du gouvernement des États-Unis

Dot gov

Les sites Web officiels utilisent .gov

Un site Web .gov appartient à une organisation gouvernementale officielle aux États-Unis.

Https

Les sites Web .gov sécurisés utilisent HTTPS

Un verrou ou https:// signifie que vous êtes connecté en toute sécurité au site Web .gov. Partagez des informations sensibles uniquement sur des sites Web officiels et sécurisés..

Archive Alert

Archived Content. This page contains information that may not reflect current policy or programs. Learn more

alert - warning

Cette page n'a pas été traduite en Français. Visitez la page Français pour des ressources dans cette langue.

Yes, renters can buy flood insurance

Release Date:
mai 4, 2018

Austin, Texas – Flood insurance isn’t just for homeowners and businesses. If you are a renter, you can buy a policy from the National Flood Insurance Program (NFIP) to cover contents up to $100,000.

The difference between a NFIP renters policy and a traditional renters insurance policy is that the NFIP policy covers your personal property and contents during a flood event. The cost of the policy is based on several factors including the flood risk of the building in which you live.

If you are a renter in low-to-moderate risk areas, you may be eligible for a Preferred Risk Policy. These policy premiums are the lowest premiums available through NFIP. Nearly 26 percent of all NFIP flood claims occur in the low-to-moderate risk areas.

If you live in an area that has a high risk for floods, a standard rated policy is the only option for you.

Renters flood insurance premiums are calculated based on factors such as:

  • Year of building construction
  • Building occupancy
  • Number of floors
  • The location of your contents
  • The flood risk (i.e. flood zone)
  • The location of the lowest floor in relation to the elevation requirement on the flood map (in newer buildings only)
  • The deductible you choose and the amount of coverage

     

For more information about NFIP, call 800-427-4661 or your insurance agent and visit https://www.fema.gov/national-flood-insurance-program.

Texans can go to www.facebook.com/FEMAHarvey/, https://twitter.com/femaregion6, and www.fema.gov/disaster/4332 throughout May to learn how NFIP can protect them from disaster.

Texas NFIP 2018 is a whole month dedicated to sharing tips with Texans about how they can prepare themselves and their homes for hurricane season. Use #TXNFIP18 to find information online and share with your friends and family.

Tags: