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Got a Problem?

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This page explains how you can get answers to questions or issues you are having with your flood policy, flood claim, flood map, after a disaster, or something else entirely. When you get answers and assistance, it strengthens our partnership so together we can continue to protect America from the devastation of flood losses.

Is your problem with...

...a flood insurance policy?

  1. First, contact your insurance agent or company. The insurance agent who handles your homeowners or renters insurance policy could be the same agent who handles your flood insurance policy.
  2. If your agent cannot assist you, contact your insurance company or the insurance agent who sold you the policy. If you have a policy with NFIP Direct, call 1-800-638-6620. If you are not sure who your insurer is, call 1-800-427-4661. Help is available in most languages. Individuals who are deaf or hard-of-hearing can use the 711 relay system and ask to speak with someone in the NFIP Call Center.

...a flood insurance claim?

  1. Learn about how to file a flood insurance claim.
  2. For issues related to your claim, contact your insurance adjuster. If you are unable to resolve your concerns with your adjuster, contact the adjuster’s supervisor by calling the adjusting firm.
  3. If you still don't have a satisfactory resolution, contact your insurance company. If you have received a denial letter (either for some of all of your flood claim), and using all of the steps in the flood claims process have not led to a resolution you are comfortable with, you may want to explore next-step options, like possibly getting an appraisal, or filing a flood claim appeal, among others. Or if you have a policy with NFIP Direct, call 1-800-767-4341.

...a flood map?

If you need information about the flood map for your community, or do not agree with the flood zone determination for your building, contact FEMA's Flood Map Service Center at 1-877-FEMA-MAP (1-877-336-2627) to answer many of your questions and give you information on how to dispute your flood zone. Use the "live chat" on this page to find out about many things concerning flood maps, including if there is or soon will be a flood map change happening that will impact your property.

...Help after a Disaster?

One of the best things about flood insurance is that you can file a claim regardless of if there is a Presidential Disaster Declaration. However, if you have flood insurance and plan to or have filed a flood claim, FEMA encourages you to apply for disaster assistance too, because you may be found eligible to receive temporary housing assistance.

National Flood Insurance Program policyholders who have questions about their flood insurance policy or the claims process, as well as disaster survivors who have general questions about the National Flood Insurance Program, can contact the support hotline by:

  • Calling toll-free 1-800-621-FEMA (3362) to both register for FEMA disaser assistance and speak to someone in the NFIP Call Center (When the recorded voice asks you to provide a zip code of where the damage occurred, enter your zip code even if you haven't experienced any damage. After this you will get to a recording that allows you to say you want to speak with someone about The National Flood Insurance Program. Follow the recorded instructions to get to a NFIP operator).

    Note, if you have questions about a flood insurance claim, see the information further up this page.
     
  • Downloading the form and emailing it to FEMA-NFIP-Support@fema.dhs.gov or faxing it to 540-504-2360
  • For individuals who are deaf, hard of hearing or have a speech disability using 711 or VRS, please call 1-866-337-4262. For individuals using a TTY, please call 1-800-462-7585.

 What We Need When You Call

 When calling, please have the following information available:

  • Contact information (name, telephone number or email address, if applicable)
  • Policy number
  • Name of flood insurance carrier
  • The nature of your request

This information will help the representative answer your questions quickly and efficiently.

Please see our fact sheet for more information about this technical support hotline.

Still need help?

  1. The NFIP Help Center can answer general inquiries about flood insurance, call 1-800-427-4661.
  2. Contact Ask the Expert by email, at floodsmart@fema.dhs.gov.
  3. If after using the above resources and or others available to you (i.e. insurance agent, insurance company, etc.), you still need help and answers, please contact the The Advocate's Office for assistance.
Last Updated: 
07/05/2018 - 11:37