Survivors of the August 2016 floods may automatically receive Group Flood Insurance coverage if they have claimed disaster assistance for a home or personal belongings which was not covered by flood insurance.
You may receive Group Flood Insurance coverage if you:
o Live in a flood-prone area;
o Do not have flood insurance;
o Suffered property damage from the August flooding;
o Are approved for FEMA disaster assistance; and
o You were denied a loan from the U.S. Small Business Administratio
If you meet all these conditions, you will receive Group Flood Insurance coverage for a three-year period ending October 13, 2019. The premium will be deducted from your FEMA disaster assistance grant.
Renters will also receive Group Flood Insurance if they intend to return to their rental propertyGroup Flood Insurance provides damage coverage up to $33,000. You can upgrade your coverage — up to $250,000 — by purchasing an individual flood insurance policy. If you choose to purchase an individual policy, your Group Flood Insurance will be canceled.
FEMA gives applicants a 60-day notice of policy expiration and a final notice of termination of coverage. When the Group Flood Insurance Policy expires, the applicant is responsible for purchasing and maintaining flood insurance on their own. Failure to maintain flood insurance will affect applicant eligibility for future disaster assistance.
For more information on the Group Flood Insurance program or flood insurance in general, call the FEMA at800-621-3362 and press #2. You can also go online at www.floodsmart.gov.