Texans who live in communities that do not participate in the National Flood Insurance Program (NFIP) may face a more difficult recovery after flooding events. Homeowners, renters and business insurance generally do not cover damages from flood events, so Texans living in these communities may find that they do not have as many options for recovery from floods.
A community is an incorporated city, town, township, borough, village, tribe or part of a county that can enforce its own floodplain management ordinances.
To purchase an NFIP flood insurance policy, a homeowner’s community must participate in the voluntary program. To join, the community must:
- Complete an application
- Adopt a resolution of intent to participate and cooperate with FEMA
- Adopt and submit a floodplain management ordinance that meets or exceeds the minimum NFIP criteria. The floodplain is also known as a Special Flood Hazard Area, or an area that has a 1 percent chance of flooding during any given year.
The community’s floodplain management ordinance must adopt any Flood Insurance Rate Map or Flood Hazard Boundary Map. Information in both maps is developed from studies conducted by FEMA on flood risks in the community.
Once a community completes these steps, the federal government makes flood insurance available to homeowners, renters and business owners throughout the community.
To find the Texas communities participating in NFIP, visit www.fema.gov/cis/TX.html.
Texans can go to www.facebook.com/FEMAHarvey/, https://twitter.com/femaregion6 and www.fema.gov/disaster/4332 this week and 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.
For Texas disaster mitigation information, visit www.fema.gov/texas-disaster-mitigation and for additional information about mitigation, visit www.fema.gov/what-mitigation. For information on protecting properties from disaster, visit www.fema.gov/protect-your-property.
For information on Hurricane Harvey and Texas recovery, visit the Texas Division of Emergency Management website at https://www.dps.texas.gov/dem/.