Government Shutdown Impacts NFIP Flood Insurance Here’s How to Stay Covered
With the current federal government shutdown, the NFIP (National Flood Insurance Program) was not reauthorized and has lapsed.
That means new FEMA-backed flood insurance policies and renewals may be delayed, leaving many property owners uncertain about their coverage status.
But there’s good news: you don’t have to go uninsured. America’s Flood offers private market flood insurance options that remain fully operational and ready to protect your home or business during the shutdown.
What’s Happening with NFIP
The NFIP is managed by FEMA and depends on federal funding to operate. When the government shuts down, FEMA can’t issue or renew flood insurance policies. This pause can impact:
- Homeowners with upcoming policy renewals
- Buyers trying to close on a property in a high-risk flood zone
- Businesses with flood coverage through the NFIP
If your policy is expiring soon, it’s important to act quickly to avoid a lapse in protection.
Private Flood Insurance Is Still Available
Private flood insurance is a good alternative to NFIP coverage — and in many cases, offers better rates, faster quotes, and more coverage options.
America’s Flood partners with trusted private markets to provide:
- Residential and commercial flood coverage
- Competitive pricing and flexible limits
- Quick turnaround on new policies and renewals
- Expert guidance through every step of the process
Stay Protected, Don’t Wait for FEMA to Reauthorize
Coverage gaps can leave you financially exposed in the event of a flood. If your NFIP policy is up for renewal or you’re in the process of purchasing a property, now is the time to act.
Contact America’s Flood today to get a private flood insurance quote and ensure continuous protection for your property.
