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Flood zones are land areas that the Federal Emergency Management Agency (FEMA) has defined according to different levels of flood risk. Everyone lives in a flood zone - it's just a question of whether you live in a low, moderate or high-risk area. To find out if your property is located in a high-risk flood zone, please visit
You can only purchase flood insurance through an insurance agent or an insurer participating in NFIP. You cannot buy it directly from the National Flood Insurance Program (NFIP). If your insurance agent does not sell flood insurance, you can contact the NFIP Referral Call Center at 1-800-427-4661 to request an agent referral.
It is best if you can obtain flood insurance through the company that you have your homeowner's insurance with. However, you may find additional information about purchasing flood insurance by going directly to