From The U.S. Department of Homeland Security's Federal Emergency Management Agency:
Most property insurance policies do not cover the effects of a flood. Floods can place people at risk of uninsured loss to their businesses, homes and personal property if they don't have either a private flood insurance policy or coverage through the National Flood Insurance Program (NFIP), a voluntary protection program administered by the Federal Emergency Management Agency (FEMA).
Flooding is the #1 natural disaster in the United States and only flood insurance covers these unexpected, damaging and sometimes fatal events. "Where there is rain, there could be flooding," said FEMA Region 6 Administrator Tony Russell. "Everyone lives in a flood zone."
To learn if your community participates in the NFIP and to review the new flood maps, please contact your local floodplain administrator (FPA) who may be located at City Hall or the local Courthouse.
FEMA Map specialists and Flood Insurance experts are available to answer questions. They can be reached by phone or online chat:
* To contact a FEMA Map Specialist, call 1-877-FEMA MAP (1-877-336-2627) or send an email to FEMAMapSpecialist@riskmapcds.com * To use the live chat service, visit go.usa.gov/r6C. Click on the "Live Chat" icon. * For more information on estimated rates for flood insurance, flood facts and to locate an agent in your area, visit www.FloodSmart.gov or call 1-888-379-9531.