Updates to the National Flood Insurance Program Make Flood Insurance More Accessible in Florida
TALLAHASSEE, Fla. – FEMA, which administers the National Flood Insurance Program (NFIP), announced program updates that were created to help enhance access to flood insurance. These changes make it easier for homeowners and renters to select and pay for a flood insurance policy.
Getting a Flood Insurance Quote
It is now easier than ever for those interested in NFIP flood insurance policies to learn about the options available to them. The new Direct to Customer (D2C) Quoting Tool allows users to get a personalized quote based on their home address and the coverage and deductible choices that work best for them. The tool then connects users to three insurance agents that sell flood insurance locally. Users can then share their quote with an insurance agent, or they can download, print or email it to themselves.
Paying for a Flood Insurance Policy
FEMA will soon allow NFIP policyholders - both new customers at the time of application and existing customers at the time of renewal – to pay their flood insurance premiums in monthly installments rather than one upfront annual payment. This move will help reduce barriers to purchasing flood insurance.
Installment plans will be offered to all new and existing policyholders who are not required to escrow their premiums. To be eligible to participate in a monthly installment payment plan, policyholders will need to opt in to authorize automatic, electronic payments (e.g., via a credit card or bank account) through their insurer. Paying in installments does not change the policy term, just the payment terms. FEMA is working with all NFIP insurers to offer this new payment option as soon as possible. Learn more: Installment Plan FAQs | FEMA.gov
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