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  "contentVersion": "2026.08.31",
  "generatedFor": "2026-09-06",
  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
    "license": "6013787",
    "licenseAuthority": "California Department of Insurance"
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  "license": "Text on this page may be quoted with attribution and a link to the canonical URL.",
  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "title": "Eligibility | National Flood Insurance Program",
  "publisher": "FEMA, National Flood Insurance Program (FloodSmart)",
  "url": "https://www.floodsmart.gov/get-insured/eligibility",
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  "accessedDate": "2026-08-31",
  "lastChecked": "2026-08-31",
  "updateCadence": "FEMA updates NFIP program pages periodically",
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      "checksum": "dde1aeb88103",
      "text": "Most homeowners insurance does not cover flood damage, and it will not fulfill the mortgage or federal disaster assistance requirements for flood insurance."
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      "text": "You can get flood insurance from the National Flood Insurance Program if your city or town participates in the NFIP's floodplain management requirements."
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      "text": "You are required to have flood insurance if you own a home or business in a Special Flood Hazard Area and have a government-backed mortgage."
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      "text": "Some banks require flood insurance even if you do not live in a high-risk area, and the page tells readers to ask their mortgage lender about its flood insurance terms."
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      "text": "If a property has received federal disaster assistance before, flood insurance must be maintained to qualify for future disaster assistance, including FEMA disaster grants and Small Business Administration disaster loans."
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      "kind": "Question",
      "title": "What does a lender insurance requirement actually prove?",
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    {
      "kind": "Coverage",
      "title": "Homeowners insurance",
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      "title": "Residential earthquake insurance (California)",
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  "citation": {
    "text": "FEMA, National Flood Insurance Program (FloodSmart). \"Eligibility | National Flood Insurance Program.\" unknown. https://www.floodsmart.gov/get-insured/eligibility (retrieved 2026-08-31).",
    "viaThisSite": "BestInsurance Research source record fema-nfip-eligibility, content version 2026.08.31. https://bestinsuranceresearch.com/sources/fema-nfip-eligibility",
    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
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