Can I opt-out of getting flood insurance?

If you have a federally backed loan or mortgage for a building in the Special Flood Hazard Area (SFHA), you will be required by your lender to purchase flood insurance annually. If you do not have a federally backed loan, you may not be required to purchase insurance, though it is highly recommended due to the risk of flood damage. 

Show All Answers

1. How do I file a Letter of Map Amendment – Out as Shown (LOMA-OAS)?
2. What if I disagree with FEMA’s preliminary flood maps?
3. Does the City participate in the National Flood Insurance Program’s (NFIPs) Community Rating System?
4. Will the impacts of climate change be incorporated into the revised flood maps?
5. When will the revised flood maps take effect?
6. What if my home is in the Special Flood Hazard Area (SFHA) before but this revision shows it’s no longer in a high-risk zone?
7. What does it mean for new construction or remodeling structures if my property is in a Special Flood Hazard Area (SFHA)?
8. Where can I find out more about purchasing flood insurance?
9. Can I opt-out of getting flood insurance?
10. Who can I talk to if I have a question(s) about FEMA flood mapping and flood insurance?