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National Flood Insurance Program

The National Flood Insurance Program is a federally-subsidized flood damage insurance program administered by the Federal Emergency Management Agency (FEMA). In order for residents and business owners to be eligible to purchase flood insurance, communities must exchange a commitment to manage development in their special flood hazard areas according to minimum federal regulations. These areas are delineated by FEMA on Flood Insurance Rate Maps.

TEMA is the designated state agency for NFIP. The state of Tennessee has the 400 communities that participate in the NFIP and the 12 communities that belong to the Community Rating System. We continue our commitment to reducing flood losses and preserving natural floodplain functions by embracing the broad and ever-changing field of floodplain management, flood hazard mitigation and the requirements of NFIP.