Flood Insurance

National Flood Insurance Program

Homeowner's insurance policies typically do not cover flood damage. The City of Seabrook participates in the National Flood Insurance Program (NFIP), offering federally subsidized flood insurance to all residents. Purchasing flood insurance is strongly recommended. Keep in mind that there is a 30-day waiting period before the policy becomes effective.

Some individuals may have acquired flood insurance as a requirement from their bank or loan company when obtaining a mortgage or home improvement loan. Usually, these policies only cover the building's structure and not its contents. However, there are flood policies available to cover contents, and renters can also obtain flood insurance. It's crucial to remember that flood insurance policies must be renewed annually. Ensure you have adequate coverage to protect your property and belongings from potential flood damage.

Congressional Reauthorization

Congress must periodically renew the National Flood Insurance Program’s statutory authority to operate. Read about the Congressional Reauthorization for the National Flood Insurance Program.

Community Rating System

The City of Seabrook actively participates in the Community Rating System (CRS), a voluntary federal program rewarding communities for implementing higher standards by providing discounts on flood insurance policies. Seabrook's efforts result in a 15 percent reduction in flood insurance premiums for property owners residing in Special Flood Hazard Areas (SFHA) and a 5 percent discount for policyholders located outside the SFHA.

This reduction in flood insurance premiums translates to annual savings for policyholders and applies when a new policy is written or an existing policy is renewed. However, individuals and business owners with Preferred Risk Policies in Zones B, C, and X on Seabrook's NFIP Flood Insurance Rate Map (FIRM) are not eligible for the CRS discount. The rates for these zones already reflect significant premium reductions. The City's commitment to higher standards benefits the community by providing financial incentives to property owners for flood insurance coverage.