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National Flood Insurance

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High water and flooded house in Houston suburbs during Hurricane HarveyNational Flood Insurance Program

The National Flood Insurance Program (NFIP) enables homeowners, business owners and renters in one of the 23,000 participating communities to purchase federally backed flood insurance. Managed by the Federal Emergency Management Agency, the NFIP provides coverage for damage to structures and contents from flooding, flood-related erosion, and flood-caused mudslides not covered under most property policies. 

While flood insurance in NJ is available to all homeowners, many are required to have it—particularly those who live in a high flood-risk area. To see your property’s risk of flooding or find out if you are required by law to obtain flood insurance, click here.


  • Floods are the most common natural disaster in the U.S.
  • Between 20% – 25% of floods are outside High Risk Zones
  • Flood Insurance IS Affordable
  • Most property policies do not include flood damage coverage
  • Coverage is available for commercial buildings and contents and can also be purchased by renters:
    • Up to $250,000 for single family and other residential buildings
    • Up to $500,000 for non-residential buildings, including small businesses
    • Up to $100,000 for residential building contents and $500,000 for contents for businesses.  

For a national flood insurance quote, click here or call us at (800) 222-0131. 

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