Flood Insurance

Flood Insurance

Are You Insured Against Flooding?

Property losses due to flooding are not covered under most standard homeowners' insurance policies. You can protect your home and its contents with flood insurance through the National Flood Insurance Program (NFIP).

About the National Flood Insurance Program

The National Flood Insurance program is overseen and maintained by the Federal Insurance & Mitigation Administration (FIMA). The NFIP is a Federal program enabling property owners in participating communities to purchase insurance as a protection against flood losses in exchange for State and community floodplain management regulations that reduce future flood damages. Participation in the NFIP is based on an agreement between communities and the Federal Government. If a community adopts and enforces a floodplain management ordinance to reduce future flood risk to new construction in floodplains, the Federal Government will make flood insurance available within the community as a financial protection against flood losses. Alachua County has participated in the program since 1984.

To find out more about flood insurance for your property and its contents, contact your insurance agent. There is usually a 30 day waiting period before a flood insurance policy takes effect, so don't wait until a storm threatens before you secure the coverage that you need.

For more information about flood insurance visit the official website of National Flood Insurance Program or FEMA's NFIP website.

Community Rating System

The NFIP's Community Rating System (CRS) provides discounts on flood insurance premiums in those communities that establish floodplain management programs that go beyond NFIP minimum requirements. Under the CRS, communities receive credit for more restrictive regulations, acquisition, relocation, or floodproofing of flood-prone buildings, preservation of open space, and other measures that reduce flood damages or protect the natural resources and functions of floodplains. More information about the Community Rating System can be obtained from FEMA.