FEMA and the National Flood Insurance Program have announced the newly launched direct-to-consumer website:

https://www.floodsmart.gov/policy-quote/

In this tool, a homeowner or business owner can populate all information regarding their home or business and immediately receive a quote for flood insurance. They will then be able to purchase the policy if they choose without any obligation to do so.

This is phase one of this tool.

In either late 2025 or early 2026, the tool will be updated to allow anyone desiring to purchase a policy to add in any number of mitigation steps to see in real-time what those mitigation projects could provide them in the way of a policy premium reduction.

Another significant change coming to the NFIP program is the ability to begin purchasing flood insurance while paying a monthly premium versus the current annual premium approach. This may help those currently unable to pay a full year’s premium to afford flood insurance protection for their home or business.

This new availability will begin on 12/31/2024!