FEMA Flood Insurance Information

FEMA National Flood Insurance Program (NFIP) has extended the grace period to renew flood insurance policies from 30 to 120 days, as a result of the coronavirus pandemic. This extension will allow additional time for policyholders who may be struggling financially to pay insurance premiums and ensure their policies are not cancelled for nonpayment of premium due to circumstances beyond their control. 

If a policy's expiration date is between February 13 and June 15, the NFIP insurer must receive the appropriate renewal premium within 120 days of the expiration date to avoid a lapse in coverage. If a policyholder receives an underpayment notice between Feb. 13 and June 15, then the NFIP insurer must receive the additional premium amount requested within 120 days of the date of the notice. 

For more information about renewing flood insurance policies or resolving an underpayment, policyholders can contact their insurance carriers or call the NFIP call center at 1-877-336-2627.