FEMA Launches New Tool to Make Flood Insurance Easier to Access

Flooding is the most common and costly disaster in the United States. For property owners on Sanibel and throughout Florida’s coastal regions, flood insurance is not just smart, it is essential. With hurricane season approaching, FEMA is providing a new way to help people understand their flood risk and get coverage.

FEMA recently introduced a new Direct to Customer Flood Insurance Quoting Tool through Floodsmart.gov. This tool allows users to receive a flood insurance quote for their property and connects them with national and local insurance providers who offer coverage through the National Flood Insurance Program.

According to FEMA, fewer than 4% of households in the United States have flood insurance. At the same time, ninety-nine percent of all communities have experienced flooding. Even more surprising, 40% of flood insurance claims come from outside high-risk flood zones. These numbers serve as a strong reminder that flood insurance matters for everyone, not just those in designated high-risk areas.

The new tool helps close the insurance gap by providing:

• Instant access to property-specific flood risk information

• Quick quotes from trusted insurance providers

• An easier way to explore options and get covered

Using the tool is free and takes only a few minutes. While purchasing a policy directly through the platform is not available yet, FEMA plans to add that feature in the coming year.

Cameron Hamilton, a senior official at FEMA, said it clearly. Insured survivors recover faster. For Sanibel homeowners, resilience begins with being prepared. Flood insurance gives you peace of mind, speeds up recovery after storms, and helps protect the value of your property long term.

To explore your property’s flood risk and receive a free quote, visit Floodsmart.gov.

If you have questions about how flood zones impact your home’s value or your real estate plans, reach out to me anytime. I am here to help you navigate the market with confidence and clarity.