FEMA launches online purchasing for flood insurance policies

The Federal Emergency Management Agency (FEMA) has introduced a new digital self-service tool allowing residents to purchase National Flood Insurance Program (NFIP) policies online via Floodsmart.gov. The tool is available to individuals living in approximately 22,700 participating NFIP communities across the United States.

Users can obtain a quote by providing details such as property address, foundation and construction types, elevation, and the location of HVAC systems. Once a quote is generated, customers can choose to complete the purchase online or share the quote with a licensed insurance agent.

Standard homeowners and renters insurance policies typically do not cover flood damage. While homeowners with federally backed mortgages in designated flood zones are required to maintain flood insurance, a Government Accountability Office report noted that 86% of at-risk properties lacked NFIP coverage as of April 2026. NFIP coverage provides up to $250,000 for home structures and $100,000 for personal possessions.