The National Flood Insurance Program (NFIP) is administered by the Federal Emergency Management Agency (FEMA). NFIP works closely with many private insurance agencies to offer flood insurance to homeowners, renters, and business owners. To qualify for flood insurance these individuals must live in a community that has joined NFIP. Shelby County has been participating in the NFIP since June 28, 2016 and is referred to as an “emergency” participant and as of this date, remains an NFIP participant. As an emergency NFIP participant, Shelby County citizens are able to purchase flood insurance with coverage not to exceed $35,000.
Shelby County officials have been working closely with FEMA representatives to get Shelby County status upgraded from emergency participation to regular. If the upgrade is approved, it will allow Shelby County residents to purchase flood insurance in greater amounts than $35,000. The process of the conversion is a lengthy one and there is no guarantee that the conversion will be approved but all information requested by FEMA to process the application has been provided thus far. In the event the conversion is not approved, Shelby County could remain an emergency participant of NFIP indefinitely and residents could continue to purchase flood insurance not to exceed $35,000.
If you are having problems purchasing flood insurance or have flood insurance questions you may call FEMA at 940-895-5594 and ask to speak to an insurance representative.