![Icon depicting a hand holding money](/congress115th/20181222080447im_/https://www.floodsmart.gov/sites/default/files/media-blocks/how_to_buy%404x.png)
How to buy or renew flood insurance
Looking to protect your home or business? You can buy flood insurance through your insurance agent.
![Icon depicting a home next to a commercial business](/congress115th/20181222080447im_/https://www.floodsmart.gov/sites/default/files/media-blocks/why_buy%404x.png)
Why you need flood insurance
Floods are the nation's most common natural disaster. Flood damage is rarely covered under your homeowners or renters policy.
![Icon depicting a flooded home](/congress115th/20181222080447im_/https://www.floodsmart.gov/sites/default/files/media-blocks/understand_risk%404x.png)
Understand your risk
What do flood maps mean for you? Look up your address in the FEMA Flood Map Service Center and then use interactive tools to learn more about your risk.
![Icon depicting a bar graph in decending order, signifying decreasing costs](/congress115th/20181222080447im_/https://www.floodsmart.gov/sites/default/files/media-blocks/reduce_cost%404x.png)
How to reduce your cost
Many factors play a role in flood risk and damage protection and can reduce the cost of your policy.