Back in the 1960’s, flooded communities banded together to ask the government to do something to help families affected by floods. Congress created the National Flood Insurance Program (NFIP) in 1968 as a response to this outcry. The NFIP is overseen and administered by the Federal Emergency Management Agency (FEMA).

The NFIP offers flood insurance policies to the majority of homeowners. Communities looking to get flood insurance qualification must adopt flood abatement measures in order to get eligibility for flood insurance. The price of flood insurance will vary depending on the prevalence of flooding in that area.

What is NOT covered under NFIP? 

– Damage caused by moisture, mildew, or
   mold that could have been avoided by the
   property owner.
– Currency, precious metals, and valuable papers
   such as stock certificates.
– Property and belongings outside of a building such
   as trees, plants, wells, septic systems, walks,
   decks, patios, fences, seawalls, hot tubs, and
   swimming pools.
– Living expenses such as temporary housing.
– Financial losses caused by business
   interruption or loss of use of insured property.
– Most self-propelled vehicles such as cars, including
   their parts (see Section IV.5 in your policy).


NFIP Insurance Coverages

What is insured under Building Property coverage
● The insured building and its foundation.
● The electrical and plumbing systems.
● Central air conditioning equipment, furnaces, and
water heaters.
● Refrigerators, cooking stoves, and built-in
appliances such as dishwashers.
● Permanently installed carpeting over an
unfinished floor.
● Permanently installed paneling, wallboard,
bookcases, and cabinets.
● Window blinds.
● Detached garages (up to 10 percent of Building
Property coverage). Detached buildings (other than
garages) require a separate Building Property policy.
● Debris removal.

What is insured under Personal Property coverage
● Personal belongings such as clothing, furniture,
and electronic equipment.
● Curtains.
● Portable and window air conditioners.
● Portable microwave ovens and portable dishwashers.
● Carpets not included in building coverage
(see above).
● Clothes washers and dryers.
● Food freezers and the food in them.
● Certain valuable items such as original artwork
and furs (up to $2,500).

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