Floods & Flood Insurance

Buying Flood Insurance

 To buy a flood insurance policy, call your insurance agent or contact one of the "Write Your Own" companies, which are private insurance companies that write flood insurance under special arrangement with the Federal government. If your agent does not write flood insurance or you don't have an agent, you may call the National Flood Insurance Program toll-free at (888) FLOOD-29 to obtain the name of an agent in your area.

It's a good idea to have the same agent who writes your homeowner's or other insurance policies also write your flood insurance policy so that in the event you need to file a claim, you only have to work with one insurance agency.

Paying for Flood Insurance

You can pay for your flood insurance in similar ways to paying other insurance. In addition, you may also pay premiums through an escrow account established by your mortgage lender, as you do for other types of insurance or taxes. Additional answers to flood insurance questions are provided at the National Flood Insurance Program website.