Flooding is one of the most common and costly natural disasters in the United States, yet many homeowners are surprised to learn that standard home insurance policies don’t cover flood damage. The National Flood Insurance Program (NFIP), backed by FEMA, was created to bridge that gap—offering affordable protection for homeowners, renters, and business owners in high- and moderate-risk flood areas. In this article, we’ll break down how NFIP coverage works, who needs it, how ra