Since Conroe enforces the rules necessary to participate in the National Flood Insurance Program (NFIP), properties in the City are eligible to purchase federally backed flood insurance. In addition, the City participates in the Community Rating System (CRS) program, managing its floodplain to stricter than minimum NFIP standards.  Properties in the City are thus eligible for a CRS premium discount on flood insurance.  When speaking to your insurance company, refer them to this webpage or to our Flood Safety Information brochure.   By law, any structure in the floodplain with a federally backed mortgage is required to be covered by a flood insurance policy.

Property outside the 100-year floodplain is not required to be covered by insurance to qualify for a federally backed mortgage. This does not mean these properties are free from risk of flooding.  Federally backed flood insurance is also available for properties outside the floodplain, generally at significantly less cost than for those in floodplain. Flood insurance is also available for renters. Be aware that homeowners’ and renters’ insurance may not cover losses or damage due to flooding.

Planning early for the purchase of flood insurance is important!  It normally takes 30 days after purchase for a flood insurance policy to go into effect.

For further information try the following links:

• The rules have changed because of the Biggert-Waters Flood Insurance Reform Act of 2012
• Why You Need Flood Insurance?
• Nothing Could Dampen the Joy of Home Ownership
• Living in a Floodplain, Risk, Planning & Recovery
• Crawl Spaces and Basements In the Floodplain
• FloodSmart.gov is a great NFIP resource for information about flood  preparedness and information 
• How to Buy Flood Insurance
• Filing A Claim  
• Why Do I Need Flood Insurance (English and Spanish versions)
• Understand your flood risk
• FAQ's About Your Flood Insurance Information Packet
• Summary of NFIP Insurance Coverage Brochure (English and Spanish)  
• To receive NFIP e-mail updates from FEMA

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