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Insurance Professionals & Lenders

This page contains references and links to assist insurance professionals and lenders in locating and obtaining effective flood maps, preliminary flood hazard data and other pertinent flood hazard mapping information that are of interest to insurance professionals and financial lenders.

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 buildings located in a high-risk Special Flood Hazard Area (SFHA) that are collateral for a federally-backed or insured 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.

How to View and Obtain Flood Maps

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

View 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

Keep up with the latest developments and find out What's New in Flood Hazard Mapping.

Frequently Asked Questions

Go to Frequently Asked Questions for Insurance Professionals and Lenders.

Fast Facts

Flood insurance fast facts:

  • Currently there are 5.0 million flood insurance policies in force in more than 22,000 communities
  • There is generally a 30-day waiting period before flood insurance goes in to effect
  • More than 20 percent 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 flood insurance related questions, contact FloodSmart at 1-888-379-9531. For flood mapping-related questions, please contact a Map Specialist at the FEMA Map Information eXchange through the following methods:

  • Call (1-877) FEMA MAP (1-877-336-2627) Monday through Friday, 8:00 am through 6:30 pm (EST)
  • Email
  • Chat with a Map Specialist Monday through Friday, 9:00 am to 5:00 pm (EST)

Insurance professionals and lenders may also subscribe to receive updates on FEMA Flood Hazard Mapping activities via e-mail.

Last Updated: 
04/16/2018 - 15:48