Insurance
In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves. The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP.
Floodsmart.gov
If you live in a community that participates in the National Flood Insurance Program (NFIP), you are eligible to purchase flood insurance. To buy a flood insurance policy, you can find a Tennessee flood insurance provider using the link below. Please select the State of Tennessee in the dropdown menu.
Agent Locator
https://www.floodsmart.gov/flood-insurance-provider
Types of Flood Insurance
Please select whether you are a homeowner, business owner, or renter for specific information on coverage, coverage limits, and coverage if you are living outside of the high-risk flood zone in your community.
https://www.floodsmart.gov/flood-insurance/types
Factors Determining Flood Insurance Rate
https://www.floodsmart.gov/costs/why-am-i-paying-this-amount
Elevation Certificates
If your home or business is in a high-risk area, your insurance agent will likely need a FEMA Finished Construction Elevation Certificate (EC) to determine your flood insurance premium.
Floods mean rising water. Knowing your building’s finished floor elevation compared to the base flood elevation for Zone AE or the elevation above the Highest Adjacent Grade for Zone A helps determine your flood risk and the cost of your flood insurance. Please consult with your local floodplain administrator to elevate your structure for compliance.
Please note a licensed Tennessee surveyor must complete the EC for a property owner. Certificate copies can be obtained by contacting your local floodplain administrator. The State NFIP Office does not have any certificates on file for the 400 participating communities due to physical and digital limitations.
Tennessee Department of Commerce & Insurance Guide
Consumer's Guide to Flood Insurance
Federal Emergency Management Agency Guide