Missouri Floodplain Management/Floodplain Insurance Programs
SEMA’s Floodplain Management Section administers the National Flood Insurance Program (NFIP) for the state of Missouri. Standard homeowner’s insurance does not cover flooding, so it’s important to have protection from damage associated with flooding. The NFIP offers flood insurance to homeowners, renters and business owners if their community participates in the program, providing more than $4 billion in flood insurance coverage for Missouri homes and business annually. For people who live in a mapped high-risk Special Flood Hazard Area (SFHA), federal law compels federally backed mortgage lenders to require mortgagees to purchase flood insurance. The Floodplain Management Section works with communities that participate in the NFIP to ensure compliance with program requirements. SEMA also is a Cooperating Technical Partner (CTP) with FEMA in the production of Digital Flood Insurance Rate Maps (DFIRM) under the federal Risk Mapping, Assessment and Planning (Risk MAP) program. In addition, the section partners with the Missouri Floodplain and Stormwater Managers Association (MfSMA) and other professional organizations to offer NFIP training for local floodplain administrators, planners, insurance agents, elected officials, lenders, realtors, engineers and surveyors.
Floodplain Management Professionals
National Flood Insurance Program (NFIP)
Floodplain management professionals can find information and resources related to the National Flood Insurance Program (NFIP) on FEMA's National Flood Insurance Program Website.