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National Flood Insurance Program
Flood insurance
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If this doesn't work
- Call NYC 311 — the City can point you to other options.
- No direct number is published for this listing — NYC 311 is the City’s service line, not the provider’s number.
What this program is
The National Flood Insurance Program (NFIP) protects your home and belongings in the event of a flood. Traditional homeowners and renters insurance does not cover flood damage. A federal flood insurance policy is the only way to make sure your home is covered.
Who can get it
Anyone in NYC can buy flood insurance.
Heads up
- Where it can rain, it can flood. Even if your home is not on the coast flood insurance is available.
- Policies are available for all NYC residents, including renters and business owners.
- You are federally required to have flood insurance if:
- you live in a high-risk flood zone (https://floodhelpny.org/en/) and have a federally-backed mortgage; or
- you previously received federal disaster assistance for flood damage
- Flood insurance covers losses directly caused by flooding. There are insurance policies to cover your building and/or belongings.
- Even though it's a federal program, you can buy a flood insurance policy through a private insurer.
- NFIP sets standard flood insurance rates based on your property.
- Regardless of the insurance agent, you should get the same quote for the same policy. You shouldn't need to shop around.
- FEMA determines how much you pay for flood insurance based on several factors (https://floodhelpny.org/en/understanding-flood-insurance), such as the location of the home.
How to apply
Ask your insurance agent if they offer flood insurance.
You can also find and contact (https://www.floodsmart.gov/flood-insurance-provider) a flood insurance provider. Ask these 5 questions (https://floodhelpny.org/en/shopping-for-flood-insurance) to make sure you get the best policy for you.
Online
Ask your insurance agent if they offer flood insurance.
You can also find and contact (https://www.floodsmart.gov/flood-insurance-provider) a flood insurance provider. Ask these 5 questions (https://floodhelpny.org/en/shopping-for-flood-insurance) to make sure you get the best policy for you.
Get help
- Visit floodhelpny.org (https://floodhelpny.org/en/) to learn more about flood insurance.
- You can also learn more at floodsmart.gov (https://www.floodsmart.gov/), the official site for NFIP.
Learn more online
Visit floodhelpny.org (https://floodhelpny.org/en/) to learn more about flood insurance.
You can also learn more at floodsmart.gov (https://www.floodsmart.gov/), the official site for NFIP.
Source and last updated
- Source
- NYC Benefits Platform (kvhd-5fmu) View dataset
- Agency
- Federal Emergency Management Agency (FEMA)
- Updated
- Source: October 12, 2024 · Synced August 18, 2026
How we verified this
Source record ID: P137en · N/A
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