FEMA-NAR Toolkit: Flood Preparedness Resources

This document was produced by FEMA in collaboration with the National Association of REALTORS®.

The following collection of materials are available from FEMA, the National Flood Insurance Program (NFIP) and other government sources for use by real estate professionals and lenders. Find educational resources and promotional pieces to outline the financial protection flood insurance offers and explain various flood insurance requirements to homeowners, renters and business owners. You can access them online anytime or place an order for free print copies via the Publications Order Form at agents.floodsmart.gov/puborderform.

Understanding & Promoting Flood Insurance

• agents.floodsmart.gov Webpage & NFIP Resource Library
  Browse a collection of educational and marketing-focused materials for agents.
   
• Answers to Questions About the NFIP
  Explore this in-depth document responding to frequently asked questions about the NFIP.
   
• Condo Association Flood Insurance Policies Don’t Protect the Belongings in Your Home Postcard
  Inform condo unit owners of what their association does/doesn’t cover in their home and how a contents-only flood insurance policy can fill the gaps.
  Spanish: http://agents.floodsmart.gov/tarjeta-postal-asociaciones-condominios
   
• FEMA Data Visualization tool
  Interact with historical flood data to promote the value of flood insurance.
   
• Document and Insure Your Propertypdf
  Review specific steps property owners can take to document and insure your valuables before a disaster.
   
• FEMA Everyone Needs Flood Insurance Fact Sheet
  Explain the importance of purchasing flood insurance, how to buy a policy and what to ask an insurance agent.
  Spanish: https://agents.floodsmart.gov/todo-el-mundo-necesita-seguro-inundaci%C3%B3n
   
• NFIP Fast Facts on Floods & Flood Insurance Infographic
  Learn important facts about flood risk and dismiss common myths of flooding and flood insurance coverage.
  Spanish: http://agents.floodsmart.gov/fast-facts-infographic_spanish
  Chinese (simplified): http://agents.floodsmart.gov/fast-facts-infographic-simplified-chinese
  Chinese (traditional): http://agents.floodsmart.gov/fast-facts-infographic-traditional-chinese
  Korean: http://agents.floodsmart.gov/fast-facts-infographic-korean
  Vietnamese: http://agents.floodsmart.gov/fast-facts-infographic-vietnamese
   
• NFIP Flood Insurance for Condominium Associations Brochure
  Educate condo associations on how an NFIP insurance policy can help protect against the full financial cost of flood damage.
  Spanish: http://agents.floodsmart.gov/seguro-inundaci%C3%B3n-asociaciones-condominios
   
• Flood Insurance for Homeowners: What’s Covered? Infographic
  Use this marketing piece as a brief overview of flood insurance coverage for homeowners.
  Spanish: http://agents.floodsmart.gov/propietarios-viviendas-infograf%C3%ADa
   
• NFIP Flood Insurance for Renters Brochure
  Share this brochure with clients living in rental units to help them understand the importance of flood insurance.
  Spanish: http://agents.floodsmart.gov/seguro-contra-inundaciones-inquilinos
  Chinese (simplified): http://agents.floodsmart.gov/flood-insurance-renters-simplified-chinese
  Chinese (traditional): http://agents.floodsmart.gov/flood-insurance-renters-traditional-chinese
  Korean: http://agents.floodsmart.gov/flood-insurance-renters-korean
  Vietnamese: http://agents.floodsmart.gov/flood-insurance-renters-vietnamese
   
• Flood Insurance for Renters: What’s Covered? Infographic
  Discover what valuable belongings a contents-only flood insurance policy can protect for renters in the event of a flood.
  Spanish: http://agents.floodsmart.gov/seguro-inundaci%C3%B3n-inquilinos-infograf%C3%ADa
   
• FEMA Flood Map Service Center
  Source flood hazard information to find official flood maps and learn about flood risks.
   
• Flood Risk: What is Flash Flooding?
  Learn how rain turns into runoff that can create flash floods in minutes.
   
• Floods Can Move Mountains: Know Your Risk of Mudflow
  Find out how wildfires can lead to an increased risk of mudflow for years to come.
  15-second video: https://www.youtube.com/watch?v=_XN7wEQLX2w
  30-second video: https://www.youtube.com/watch?v=3WqDyN2K1OU
   
• floodsmart.gov
  Direct clients to the NFIP’s consumer-friendly site to learn about flood insurance and the risks of flooding.
   
• Hidden Risks Can Cause Flooding
  Be aware of hidden flood risks in your community.
   
• How Can I Pay Less for My Flood Insurance
  Explore how mitigation and other efforts can lower your clients’ flood insurance premiums.
   
• How to Buy Flood Insurance
  Share how clients can purchase flood insurance and find a provider.
   
• Most Homeowners Insurance Does Not Cover Flood Damage Postcard
  Dispel the common misconception that homeowners insurance covers flood damage.
  Spanish: http://agents.floodsmart.gov/homeowners-insurance-postcard_spanish
   
• National Flood Insurance Program (FEMA) LinkedIn
  Stay connected with the NFIP’s social media account sharing flood insurance updates, resources and more.
   
• NFIP Protect the Life You've Built Brochure
  Promote flood insurance coverage to homeowners, business owners and renters.
  Spanish: http://agents.floodsmart.gov/proteja-la-vida-que-ha-construido
  Chinese (simplified): agents.floodsmart.gov/protect-life-youve-built-simplified-chinese
  Chinese (traditional): agents.floodsmart.gov/protect-life-youve-built-traditional-chinese
  Korean: agents.floodsmart.gov/protect-life-youve-built-korean
  Vietnamese: agents.floodsmart.gov/protect-life-youve-built-vietnamese
   
• Questions & Answers About the NFIP for Real Estate Professionals
  Browse popular questions other real estate professionals have asked about flood insurance and how it can affect your business and clients.
  Spanish: http://agents.floodsmart.gov/p&r-bienes-ra%C3%ADces
   
• Flood Social Media Toolkit
  Find social media resources for flood awareness.
   
• Types of NFIP Flood Insurance Infographicpdf
  Learn about the various types of flood insurance options available to renters, business owners and homeowners.
   
• FEMA NFIP Understanding Elevation Certificates Fact Sheet
  Read how property owners may be able to reduce flood insurance premiums with Elevation Certificates.
  Spanish: http://agents.floodsmart.gov/hoja-informativa-certificado-elevacion
   
• Why Buy Flood Insurance
  Review the importance of flood insurance and answers to commonly asked questions.
   
• NFIP Why Do I Need Flood Insurance? Brochure
  Share this brochure highlighting the risks of flooding and value of flood insurance.
  Spanish: agents.floodsmart.gov/you-need-flood-insurance_spanish
  Chinese (simplified): agents.floodsmart.gov/you-need-flood-insurance-simplified-chinese
  Chinese (traditional): agents.floodsmart.gov/you-need-flood-insurance-traditional-chinese
  Korean: agents.floodsmart.gov/you-need-flood-insurance-korean
  Vietnamese: agents.floodsmart.gov/you-need-flood-insurance-vietnamese
   
• Why You Should Consider Getting Flood Insurance
  Hear why you should get flood insurance from the NFIP and protect the life you’ve built.

Before a Flood

• 12 Ways to Prepare Postcardpdf
  Discover 12 steps everyone can take before a disaster to be more prepared.
   
• Be Prepared for a Flood Fact Sheetpdf
  Distribute information on staying safe before, during and after a flood.
   
• Emergency Financial First Aid Kit
  Help prepare clients for an emergency with this guide.

After a Flood

• After a Flood
  Promote information on how to start a flood insurance claim and tips on what clients can do before and after a flood.
   
• FEMA Appealing Your Flood Insurance Claim Fact Sheet
  Discover actions policyholders can take when their flood insurance company denies all or part of their claim.
   
• Meeting with a Flood Insurance Adjuster
  Understand the timeline of meeting with a flood insurance adjuster after a flood event.
   
• NFIP Rebuilding Safer & Stronger After a Flood Guide
  Assist property owners after a flood with information on cleanup, damage determinations and rebuilding.
  Spanish: http://agents.floodsmart.gov/reconstruccion-despues-inundacion
   
• Repairing Your Flooded Homepdf
  Find step-by-step guidance on repairing flood-damaged property.
   
• FEMA Understanding Mudflow and the NFIP Fact Sheet
  Learn about mudflows and whether damage is covered by the NFIP.
   
• What Does Flood Insurance Cover in a Basement? Fact Sheet
  Get to know how the NFIP defines a basement and which items within them are covered.
  Spanish: http://agents.floodsmart.gov/basement-coverage-fact-sheet_spanish
   
• Wind Damage Versus Floodwater Damage: What to Know When Filing a Claim Fact Sheet
  Discover how clients can distinguish between wind and floodwater damage, report flood damage, work with adjusters and more.
  Spanish: https://agents.floodsmart.gov/da%C3%B1os-por-viento-inundaci%C3%B3n

Trainings

For the most up-to-date webinars, visit the NFIP’s agent training page and the agent starter-kit.

• Coastal Barrier Resources Act (IS-1113)
  Increase your understanding of the Coastal Barrier Resources System (CBRS) and Otherwise Protected Areas (OPAs).
   
• FEMA Mapping Changes (IS-1106)
  Take a practical look at how changes to FEMA flood maps affect property owners, insurance agents, and more.
   
• Flood Insurance Reform Act of 2004 (FIRA)
  Review this legislation that strengthened the NFIP.
   
• Insuring Condominiums (IS-1108)
  Explore the different ways condominium coverage can be written and how it compares to other policies.
   
• The Basic Agent Tutorial (IS-1101)
  Gain an understanding of fundamental aspects of the program.
   
• Writing Commercial Exposures (IS-1110)
  Learn about commercial exposures and how they are insured within the NFIP.  

Learn more at fema.gov.