NFIP Flood Maps: Staying Up to Date

Whether you’re new to selling flood insurance or a seasoned veteran, the first thing agents need to know is how flood maps work. Flood maps are tools which provide valuable information about flood hazards across the nation. They depict flood zones and differentiate Special Flood Hazard Areas (SFHAs). 

SFHAs are areas at high risk of flooding, where flood insurance is often required for mortgage-backed properties. Speaking with confidence about flood maps helps you build your clients’ trust. The maps are your best tool when assessing flood risks with accuracy.

The main purpose of flood maps is to reduce risk by modeling and predicting what areas are at risk of flooding. The maps can change over time for a variety of reasons. The construction of new levees and dams and changing weather patterns can cause an area’s flood risk to change. If your client moved from a low- to moderate-risk, or high- to higher-risk area, they’ll have questions. As an agent, staying on top of flood map updates is good for both you and your clients. You may be able to offer different coverage, and talking through options with your clients becomes key.

Updated flood maps are critical for understanding flood risks and making informed decisions about insurance coverage. The National Flood Insurance Program has the tools to keep you and your clients in the know.

It’s important to note that NFIP flood maps are publicly available and can be accessed at FEMA.gov/flood-maps. Also be aware that your clients can request a letter of map change (LOMC) if they think their home/property is incorrectly mapped. Approval of a LOMC request can result in a change in premium. 

Talk to your clients about their flood risk and stay up–to date on flood map changes.