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What is the relationship between the National Flood Insurance Program and the Beach Plan?

Wayne Faulkner

No insurance companies or plans cover flooding anywhere in the country. It doesn’t matter whether it’s the coasts or the Rocky Mountains. This includes rising-water flooding, such as from a river or creek, as well as storm surge flooding from a tropical storm.

The Beach Plan does not offer flood insurance. It covers wind and hail damage. It does not cover storm surge.

Federal flood insurance through the National Flood Insurance Program must be purchased through participating private insurance agencies. The one you buy your insurance through will be who will handle your claims. The government does not sell flood insurance directly to individuals, nor does it deal directly with claims.

Wind and hail insurance through the Beach Plan is sold through private insurers. The Beach Plan is funded by the insurers, not the state or taxpayers.

Click here to find more information and to locate an agent who handles flood insurance.

User-contributed question by:
Virginia Bowden

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