For more flood information, how the National Flood Insurance Program (NFIP) works, flood zones, and so onclick here. Or click the NJ Flood Zone Info tab at the top of this page
Why do you need flood insurance?
1) Because your home or business insurance doesn't cover floods*.
2) If you're in certain "flood zones", you can't get a mortgage without flood insurance.
In most towns in New Jersey, you can buy the Federal flood insurance provided by the NFIP, under the Federal Emergency Management Agency (FEMA). The NFIP program is limited in how much coverage is available for each building ($250,000 for a house and $500,00 for a business) and its contents. For the list of New Jersey towns that participate in the NFIP click here for the FEMA list.
How can I prepare for a catastrophe?
Click here for a sitewith some basic preparation information, steps to take and so on. They also have more detailed information they will send to you on request, whether for businesses or homes.
What if the NFIP program maximum isn't enough?
In some cases you may be able to qualify for, and should buy, excess flood insurance from the private insurance market. You really should talk with us about that coverage; it can be expensive, but losing your home or business would be much worse. Call us at 1-800-548-2329 and we will help you protect yourself.
*Floods are temporary water or mud flow over areas that are normally dry. And the cause of water damage makes a huge difference in how much insurance coverage you have in the home or business policy.
Here's a link to a video with the Insurance Information Institute explaining flood insurance, from Union Beach, NJ after Hurricane Sandy.
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