The National Flood Insurance Program (NFIP) is administered by the Federal Emergency Management Agency (FEMA), which works closely with nearly 90 private insurance companies to offer flood insurance to property owners and renters. In order to qualify for flood insurance, a community must join the NFIP and agree to enforce sound floodplain management standards.
The NFIP, a federal program, offers flood insurance, which can be purchased through property and casualty insurance agents. Rates are set and do not differ from company to company or agent to agent. These rates depend on many factors, which include the date and type of construction of your home, along with your building’s level of risk. Buying flood insurance is the best thing you can do to protect your home, your business, family, and financial security.
The Official Site of NFIP: http://www.FloodSmart.gov
The FEMA Product Catalog contains information on:
FEMA Issued Flood Maps
Latest Available Flood Maps
Historic Flood Maps
Flood Insurance Studies (FIS)
National Flood Hazard Layer (NFHL) Database
Q3 Digital Flood Data and Coastal Barrier Resource Area (CBRA) Q3 Data
Community Status Books (CSB)
Flood Map Status Information System (FMSIS)
Letters of Map Change (LOMC)
National Flood Insurance Manual (NFIP)
Documents - Official publications of Federal Emergency Management Agency.
If a flood damages your property, you may be required by law to bring your home up to community and/or state floodplain management standards. If you have NFIP insurance, and your home has been declared substantially damaged by your community, ICC coverage is provided to cover up to $30,000 of the cost to elevate, flood proof, demolish, or relocate your property. ICC coverage is in addition to the coverage you receive to repair flood damages; however, the total payout on a policy may not exceed $250,000 for residential buildings and $500,000 for non-residential buildings.
For more information please visit http://www.fema.gov/plan/prevent/floodplain/nfipkeywords/icc.shtm.