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Following a Flood
After experiencing flooding, contact your insurance agent right away. Once your insurance agent has your claim:
  • The agent will file a Notice of Loss.
  • An adjuster will be assigned to your case.
  • Once the loss has been adjusted, a Proof of Loss will be submitted, and payment can be made. Partial payment can be made to claimants upon submission of a partial Proof of Loss.


Insurance Resources
The Federal Emergency Management Agency's (FEMA) Flood Insurance Rate Maps (FIRMs) are used to determine who must buy flood insurance and where floodplain development regulations apply. Learn more about your coastal flood risk by visiting http://www.region2coastal.com/.

Protection against loss due to floods is not covered under a homeowner's policy. It is provided through the National Flood Insurance Program and administered by FEMA. Contact your property/casualty agent or broker about eligibility for flood insurance, which is offered through the National Flood Insurance Program (NFIP).

Flood insurance covers direct physical loss caused by floods, or an excess of water on land that is normally dry. Sewer back-ups (SBUs) are covered if SBUs occur in flooding conditions, typically defined as conditions that cause SBUs on two or more acres or pieces of property.

*NOTE: In June 2013, FEMA Region II released preliminary revisions to New York City flood zones as a result of a new coastal flood study to update the information shown on the Flood Insurance Rate Maps (FIRMs).

As the next step in the flood map update process for New York City, FEMA will be issuing Preliminary FIRMs and a Preliminary Flood Insurance Study (FIS), a narrative report of a community’s flood hazard. These maps and study are the official version of the Preliminary Work Maps that were released in June 2013, and will go through a public review and comment period as well as an official appeals period.

For more information on FEMA’s flood map update process, visit NYC.gov/floodmaps.