FEMA launches online purchase tool for flood insurance

The Federal Emergency Management Agency (FEMA) has introduced a new digital tool on FloodSmart.gov that allows residents to purchase National Flood Insurance Program (NFIP) policies entirely online. This self-service option is available to individuals in approximately 22,700 participating communities nationwide.

Users can obtain a quote by providing basic information about their building and then choose to either complete the purchase online in minutes or share the quote details with a licensed insurance agent. For those without an agent, the website provides contact information for three licensed state insurance agents.

FEMA Administrator Cameron Hamilton stated that the tool is intended to make it easier for people to reduce financial risk and protect their property. The agency noted that the digital shift aligns with the industry's move toward digital engagement and the administration's America First Resilience Strategy, which emphasizes risk-informed approaches to reduce dependence on federal assistance.