National Flood Insurance Program Flood Damage and Claims

Photo courtesy of U.S. Air Force

What to do before, during and after a flood event

Posted: Aug 26, 2021 4:13 PM

Lafayette, LA – With the possibility of a disturbance headed toward Lafayette Parish, use the National Flood Insurance Program (NFIP) flood insurance and floodplain management resources below to help before, during and after a damaging event.


Is it too late to purchase flood insurance? It could be. Generally, there is a 30-day waiting period for policies to go into effect and there is a flood in progress exclusion. Check with your insurance agent though, because there are a few exceptions including no waiting period if you purchase flood insurance while making, increasing, extending, or renewing your mortgage loan and a 1-day waiting period if a home or business is newly designated to be in the high-risk flood area and you purchase flood insurance within the 13-month period following a map update. Click here for more information in English and Spanish.

What if my NFIP policy just expired? If your NFIP flood insurance policy (including a Group Flood Insurance Policy) just expired, contact your insurance company immediately to renew your policy (or for recently expired GFIP-holders, purchase a Standard Flood Insurance Policy). Claims for losses that occur in a 30-day grace period will be honored, provided that the full renewal premium is paid within 30 days of the policy expiration date. Lapsed policies (expired policies after the grace period) may cause you to lose any discounted rates you have been receiving and you may be subject to a new 30-day waiting period for coverage to go into effect.

How to Start a Flood Insurance Claim

How to Start Filing Your Claim, website in English and Spanish

Starting Your Recovery, fact sheet in English and Spanish

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