FEMA's Federal Insurance Administration runs the National Flood Insurance Program (NFIP) which makes flood insurance available to residents of communities that adopt and enforce floodplain management ordinances which represent sound land use practices. More than 18,000 communities participate; more than 3 million home and business policies are in force. The program is funded by policy premiums.

Key to disaster recovery

Flood insurance is often the first step toward recovery. A flood policy is needed because homeowners' policies do not cover flooding. There is normally a waiting period before the flood insurance policy takes effect.

An incentive for floodplain management

For flood insurance to be made available in a community, the community agrees to require permits for development in flood hazard areas and to ensure that proper materials and methods are used in new construction. These requirements protect new buildings from future floods.

Partnering with the insurance industry

Ninety percent of flood insurance policies are serviced by private insurance companies. This partnership makes flood insurance more easily available to homeowners, renters and business owners.

Return to the Sarpy County Emergency Management Agency Page

Created September 2, 1996

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