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Frequently Asked Questions

  • To learn when preliminary flood maps will take effect for your community, please visit the  FloodSmart  website where you can  search by ZIP Code .

  • Most likely. Typically, there's 30-day waiting period from date of purchase before your policy goes into effect.  Read about exceptions to this waiting period   Don't see your question? Go to the NFIP?s Answers to Questions  

  • Yes, new owner is granted the remainder of the two-year PRP eligibility extension if property ownership changes hands during the two years following the effective date of map revision.   Don't see your question? Go to the NFIP?s Answers to Questions .

  • We have made enhancements to our website in which has impacted the exam submission process. Most issues with submitting exams can be corrected by clearing the internet browsers temporary internet files and cookies. Sometimes an internet browser will save files to help load the pages quicker at later date. This can prevent the browser from seeing the most current information and settings. Please see our quick help guide on Clearing Your Internet Cookies and Temporary Files .

  • If your property was inadvertently mapped in Special Flood Hazard Area (SFHA) on Flood Insurance Rate Map (FIRM), also known as flood map, request Letter of Map Change (LOMC) to request change in the flood zone designation for the property. 

  • You do not have to repay any money received from FEMA's Individuals and Households Program.  You do have to repay disaster loans received from the Small Business Administration (SBA).

  • The function of the FEMA Reservist Ombuds is to provide dedicated resource for Reservists to discuss, document, address, and elevate systemic issues and concerns with Reservist policy implications. It complements and does not replace the role of the ADR Advisors who will continue to be available to provide all the services they have provided in the past, including building the capacity of Reservists and others in the disaster workforce to manage conflict situations, and assisting in the resolution of disputes as they may arise. 

  • Information about how disaster declaration is requested is available at the FEMA Declaration Process Fact Sheet Individual Assistance: Assistance for Individuals and Families If your state or county has not received declaration for Individual Assistance local resources may be available to you. If you or anyone you know needs assistance, you may want to contact: The American Red Cross at 1-800-REDCROSS (1-800-733-2767) The United Way by dialing 2-1-1 from landline phone Your local Emergency Management Agency to see if assistance is being offered by the state or local government Public Assistance: Assistance for State and Local Government Public Assistance declaration makes federal funding available to: The state; Local governments; Indian Tribal governments and Alaska Native villages; and Certain private nonprofit organizations that provide services of governmental nature. Public Assistance funds are available on cost-sharing basis for emergency work and the repair, replacement or restoration of facilities damaged by the disaster.

  • Yes, you will have to pay interest if you do not repay the debt to FEMA within 30 days of the date on the Notice of Debt letter. If you do not pay the debt in full within 30 days, FEMA will begin charging interest on your debt at an annual interest rate of 1.0% for 2011.  For additional information regarding the interest rate please visit: Financial Management Service: Treasury Current Value of Funds Rate. Other charges will be added if you do not resolve the debt. Ways to resolve the debt are explained here: "Repaying FEMA Debt" 

  • We apologize you did not receive response. There are several possible reasons such as extremely high e-mail traffic or problems with the e-mail system. Please visit the Frequently Asked Question page to submit question/comment for an update.

Last Updated: 12/01/2022

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