Homeland Security and Emergency Management

A Division of the Minnesota Department of Public Safety

National Flood Insurance Program

The National Flood Insurance Program (NFIP) is administered by the Federal Emergency Management Agency (FEMA), which works closely with nearly 90 private insurance companies to offer flood insurance to property owners and renters. In order to qualify for flood insurance, a community must join the NFIP and agree to enforce sound floodplain management standards.
The NFIP, a federal program, offers flood insurance, which can be purchased through property and casualty insurance agents. Rates are set and do not differ from company to company or agent to agent. These rates depend on many factors, which include the date and type of construction of your home, along with your building’s level of risk. Buying flood insurance is the best thing you can do to protect your home, your business, family, and financial security.

NFIP in Minnesota

The Minnesota Dept. of Natural Resources (DNR) is the state administration agent for the NFIP in Minnesota.  The HSEM Hazard Mitigation branch works with the DNR, FEMA other agencies to help communities develop effective local flood hazard mitigation plans and projects which includes adopting required ordnances and mitigation plans necessary for the community to be eligible to participate in the NFIP.