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Insurance Available, Critical for Flood Recovery

Release date: 
October 15, 2018
Release Number: 

PHILADELPHIAFlooding can, and does, happen everywhere. The good news - flood insurance is available anywhere. Whether or not you are mapped into the flood zone, insurance is available to protect lives and property. That’s why the Federal Emergency Management Agency (FEMA) Region III, in partnership with the Commonwealth of Pennsylvania, is encouraging property-owners and businesses in communities across Pennsylvania to review their existing insurance policies and consider purchasing flood insurance to protect lives and property.

Flood insurance provides the best protection against flooding. Most homeowners’ insurance policies do not cover flood damage, and without flood insurance, property owners and individuals could be stuck with high costs from flood damage to their property. “Flooding is one of the biggest threats facing communities across the Commonwealth,” stated Rick Flinn, Director of the Pennsylvania Emergency Management Agency (PEMA). “Flood insurance and knowing the risk of flooding can help Pennsylvanians make informed decisions about protecting themselves and their property. Recent flooding in the Commonwealth shows just how important insurance is.” According to data gathered through the National Flood Insurance Program (NFIP), flooding has occurred in 98% of all counties across the United States, and more than 20% of flood claims come from outside high risk flood zones. Having insurance can reduce your risk to flooding and protect your investment.

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Talk to your insurance agent about your options for insurance. Everyone is eligible for flood insurance, including those not in a designated Special Flood Hazard Area (SFHA). “Insurance is crucial for recovery from flooding and disasters,” stated Jessica Altman, Pennsylvania Insurance Commissioner. “Flood insurance can make the difference in a property owner’s ability to recover from a flooding event, and we encourage individuals to review their options for coverage as well as current policies regularly to ensure they are protected in the event of a disaster.” Pennsylvanians are encouraged to visit for additional information. On this page, consumers will find information on both FEMA’s National Flood Insurance Program (NFIP) plans and private market insurance plans.

FEMA’s National Flood Insurance Program (NFIP) provides information and resources to help individuals understand their flood risk and make informed decisions on the kind of policy that would be best for them. “FEMA has put data online to help property-owners understand their flood risk,” stated MaryAnn Tierney, FEMA Region III Regional Administrator. “Whether it is viewing your current flood map, learning about coverage options, or just understanding the risk of flooding and what mitigation actions you can take, there are a wealth of resources online to help property owners make informed decisions.”

Individuals, business and property owners can access the below resources to learn about insurance coverage and protect themselves from potential flooding:

  • – FEMA’s website for the National Flood Insurance Program (NFIP). Individuals can contact their insurance agent directly or the NFIP Help Center at 800-427-4661.
  • - Understand your risk to flooding so you can make informed decisions about your coverage needs and protecting your property.
  • - FEMA’s website includes information on the NFIP for property owners, insurance agents, lenders, and more.
  • – PA Insurance Department’s website, which helps Pennsylvania residents understand insurance requirements in the Commonwealth and provides a wide range of resources available, including flood insurance information.
  • Map Service Center - FEMA’s Map Service Center (MSC) allows anyone to search for flood maps and related products by state, county, or even individual addresses. Understanding the flood maps will help with understanding the location of high risk flood zones and your own risk.

About FEMA

FEMA’s mission is helping people before, during, and after disasters. FEMA Region III’s jurisdiction includes Delaware, the District of Columbia, Maryland, Pennsylvania, Virginia, and West Virginia. Learn more about FEMA Region III at Stay informed of FEMA’s activities online: videos and podcasts are available at and Follow us on Twitter at


Learn More

To learn more about the PA Insurance Department, please visit  To learn more about PEMA, please visit To learn more about the NFIP, to understand your potential flood risk, and how to purchase flood insurance, please visit and To learn more about FEMA Region III, please visit and


Last Updated: 
October 18, 2018 - 14:41