National Flood Insurance Program
Camden County participates in the National Flood Insurance Program (NFIP).
This allows local insurance agents to sell flood insurance policies
separate from regular property insurance, and at federally subsidized
Requirements & Coverage
If you own a structure in the Special Flood Hazard Area
(SFHA) and your loan is federally backed, it is mandatory that
you obtain flood insurance.
Flood insurance can cover the
structure alone or a combination of structure and contents. Renters can
purchase content coverage even if the owner does not have structural
A new policy is available that assists in bringing a
non-compliant structure up to NFIP standards if the building is
substantially damaged or repetitively flooded. Flood insurance is also
available for structures outside the 100 year floodplain (Zone X).
There is normally a 30-day waiting period before flood insurance goes into effect, so it is essential to plan ahead.