How Do You Apply for FEMA Flood Insurance?


Quick Answer

To apply for flood insurance through the Federal Emergency Management Agency, or FEMA, find an approved insurance agent, fill out the correct paperwork with your specific coverage requests, and pay the yearly premium for the coverage selected. Wait for the policy to be approved.

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Full Answer

  1. Determine your flood risk

    Search online for the flood risk for your home. Ask your homeowner's insurance agent if you have additional questions about your flood risk. Realize that anyone can purchase flood insurance, no matter where they live.

  2. Find an approved insurance agent

    Ask your existing homeowner's insurance agent if you can purchase flood insurance through the company. If not, get an insurance agent referral through the national flood insurance website.

  3. Decide on your insurance preferences

    Decide on your preferred deductible and coverage amounts based on the value of your home and your budget. Also decide if you want to pay for the coverage directly every year or if you prefer to pay it with your mortgage, if that is an option for you.

  4. Fill out the insurance application

    Fill out the correct application completely and accurately. Get the application from your insurance agent, or print it from the FEMA website.

  5. Pay the yearly premium

    Pay the premium for the first year either by credit card or check. If the policy is set up for this, pay the premium with your mortgage every month. If not, pay the premium every year when the policy needs to be renewed.

  6. Keep track of policy information

    Once your policy is approved and your insurance is in force, keep the paperwork available in a safe location, so if you need to make a claim, it is easy to find.

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