To qualify for an NFIP policy, you'll need to live in one of the 22,600 communities that participate in the program. Some insurance companies, including Aon Edge, offer excess flood insurance policies to build onto the coverage of an NFIP policy. Once you have a number in mind, you'll want to decide whether you want to get private flood insurance, NFIP insurance, or a combination of the two. This number is different from the market value of your home. An appraisal or your insurance company can help you find the replacement cost of your home. If your mortgage doesn't require flood insurance, it's still possible to get it and estimate how much you need.
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