Group Flood Insurance Program

  • SBA Dependent Types of Other Needs Assistance are only for individuals or household who do not qualify for the SBA may be eligible for the following types of assistance:
  • Group Flood Insurance Policy-
    • FEMA may pay $600 under ONA for three years of flood insurance for eligible recipients of assistance for flood-damaged property (personal or real) located in a SFHA on which FEMA places a flood insurance requirement. As part of the effort to reduce future expenses from floods, FEMA directly purchases GFIP certificates on behalf of applicants who are required to purchase and maintain flood insurance but who may not otherwise be able to purchase a policy. The GFIP is a policy that is established for each disaster declaration that results from flooding and authorizes the provision of Individual Assistance.
      • In addition to meeting general conditions of eligibility, applicants must meet the following conditions in order to be considered for a GFIP certificate:
        • FEMA verifies that damage to the applicant’s property is caused by flooding and the damaged items are insurable under NFIP.
        • The applicants does not have flood insurance coverage at the time of the disaster
        • The applicants damaged residence is located in a SFHA
        • The applicants damaged residence is not located in a sanctioned community, CBRS area, or OPA
        • The applicant does not have a previous requirement to maintain flood insurance as a condition of receiving IHP assistance.
        • The applicant is referred to ONA
        • The applicant is eligible for Home Repair, Replacement, or Personal Property Assistance, prompting the requirement to maintain flood insurance on the damaged residence and initiating the GFIP.
      • Notification and Response:
        • Pre-disaster owners included in the GFIP receive notification from FEMA stating they have been included in the policy as well as a “Certificate of Flood Insurance” but do not receive the actual policy. Applicants do not have the ability to decline the GFIP.
        • FEMA give applicants 60-day notice of policy expiration and a final notice of termination of coverage. When GFIP expires, the applicant is responsible for purchasing and maintaining flood insurance on their own. Failure to maintain flood insurance will affect applicant eligibility for future disaster assistance.
      • Limitations and Exclusions:
        • If the cost of a GFIP policy exceeds the remaining amount of IHP Assistance available to the applicant, then FEMA will not purchase a policy. The applicants will still be responsible for purchasing a policy on their own.
        • Applicants who own or rent travel trailers on non-permanent foundations are not eligible for GFIP.