FEMA Support

Faith-Based Community Preparedness
Learn how to prepare houses of worship for various hazards, ensuring the safety and security of congregations, staff and facilities.

Community Emergency Response Team (CERT)
The CERT program teaches local volunteers about disaster preparedness for the hazards that may impact their area and get trained on basic disaster response skills. Join a local CERT program today.

Prepare for Disasters
Youth Preparedness Council
The Youth Preparedness Council brings together young leaders interested in supporting disaster preparedness and making a difference in their communities.

Children and Emergency Planning
Youth make up roughly a quarter of the U.S. population. Including youth in emergency management is an essential part of engaging the whole communit

Individuals and communities can work together to improve preparedness and respond to disasters and emergencies. Get involved in your community today, to help build capacity and plan for the unexpected.

To build a culture of preparedness it’s important to work with the whole community, including:

Federal, state, local, tribal and territorial governments
Non-governmental partners from all sectors
Neighborhood-based community groups
Faith-based organizations
Youth, children, daycares

Work with the NFIP
We provide reports on the National Flood Insurance Program's (NFIP) financials and offer guidance on conducting daily operations for existing and new NFIP sellers and servicers. Find information on the Write-Your-Own program, reinsurance, Risk Rating 2.0, plus the Flood Insurance Manual and other tools.

View All Programs and Tools

Each year, more than 50 private insurance companies participate in the Write-Your-Own (WYO) program selling and servicing NFIP policies through their insurance agents.

FEMA retains responsibility for underwriting flood insurance coverage sold under that program and by the NFIP Direct. There are more than five million policyholders nationwide and the NFIP is the nation’s largest single-line insurance program providing nearly $1.3 trillion in coverage against flood.

NFIP Direct

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Become a Seller and Servicer
Work With the NFIP
FEMA administers the NFIP and it is a partnership between the federal government, the property and casualty insurance industry, states, local officials, lending institution, and property owners.

Plan ahead as there is typically a 30-day waiting period for an NFIP policy to go into effect, unless the coverage is mandated it is purchased as required by a federally backed lender or is related to a community flood map change.

FloodSmart.gov

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How to Purchase Flood Insurance
To purchase flood insurance, call your insurance company or insurance agent, the same person who sells your home or auto insurance. If you need help finding a provider go to FloodSmart.gov/flood-insurance-provider or call the NFIP at (510) 983-0428

Flood insurance is available to anyone living in one of the 23,000 participating NFIP communities. Homes and businesses in high-risk flood areas with mortgages from government-backed lenders are required to have flood insurance.

The NFIP provides flood insurance to property owners, renters and businesses, and having this coverage helps them recover faster when floodwaters recede. The NFIP works with communities required to adopt and enforce floodplain management regulations that help mitigate flooding effects.

Floods can happen anywhere — just one inch of floodwater can cause up to $25,000 in damage. Most homeowners insurance does not cover flood damage. Flood insurance is a separate policy that can cover buildings, the contents in a building, or both, so it is important to protect your most important financial assets — your home, your business, your possessions