Flood Insurance

Being a coastal community almost entirely surrounded by water, many homes and businesses are required to carry a flood insurance policy. The City of Seabrook stays up-to-date on current flood maps and legislation which can impact flood insurance rates. If you have any questions regarded flood insurance please do not hesitate to give us a call at (281) 291-5638.


Basic homeowner’s insurance policies do not cover damage from floods. The City of Seabrook participates in the National Flood Insurance Program, which means that federally subsidized flood insurance is available to everyone in the city. The purchase of flood insurance is highly recommended. Remember there is a 30-day waiting period before the policy becomes effective. Some people have purchased flood insurance because it was required by the bank or loan company when they obtained a mortgage or home improvement loan. Usually, these policies just cover the building’s structure and not the contents. There are flood policies available to cover contents as well as for renters. Remember that a flood insurance policy must be renewed every year.


The City of Seabrook also participates in the Community Rating System, a voluntary federal program that rewards communities that implement higher standards by providing discounts on flood insurance policies. Seabrook’s efforts enable property owners who reside in Special Flood Hazard Areas (SFHA) to receive a 15 percent reduction in flood insurance premiums and policyholders located outside the SFHA a 5 percent discount. The reduction in flood insurance premiums represents annual savings in premium costs for policyholders and will take effect at the time a new policy is written or an effective policy is renewed. Those individuals and business owners with a Preferred Risk Policies, applicable in Zones B, C, X, on Seabrook’s NFIP Flood Insurance Rate Map (FIRM) are not eligible for the CRS discount. The rates for these zones already reflect significant premium reductions. For more information about flood insurance, you can contact the National Flood Insurance Program at www.floodsmart.gov, the Seabrook Building Department at 281-291-5638, or by calling your insurance agent. The following FEMA publications may also provide more information:

Homeowners Flood Insurance Affordability Act 2013

On Friday, March 20, 2014, the U.S. President signed the Homeowners Flood Insurance Affordability Act 306-97 after the U.S. House of Representatives the Senate followed passed the bill earlier this month.

The Homeowners Flood Insurance Affordability Act is a result of the passage of the Biggert-Waters Act (read more below), and it would require FEMA to delay the implementation of the Biggert-Waters Act until FEMA has completed an affordability study and framework to help minimize the hardship for homeowners. The passing of the Affordability Act would require FEMA to provide Congress with all the facts regarding how rate increases may be distributed and how they may affect homeowners and communities.

Biggert-Waters Act 2012

In July 2012 Congress passed the Biggert-Waters Act imposing new requirements on FEMA to make the Federal Flood Insurance program self-sustaining. In implementing this act, FEMA has drawn new flood maps which have substantially raised the base flood elevation in our area and is proposing new insurance rates that would raise the several residents and businesses' flood insurance premiums by over one hundred percent. | Read More

Flood Insurance News

Soaring flood insurance rates are making headlines across the nation. With the passing of the Biggert-Waters Act homeowners are outraged and reaching out to Congress to delay premium increases.