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How the Government Shutdown Affects National Flood Insurance

In midst of a federal government maelstrom where a shutdown brings a cutoff of services, the National Flood Insurance Program is not exempt from the pinch. When the government’s spending authority is put on hold, home sales within localities known to be at flood risk bear the consequences.  

During a government shutdown, home buyers in these areas are barred from procuring National Flood Insurance Program coverage – something mandated by the majority of mortgage financers.

The real estate activists have emphasized that as soon as the NFLP backing is wiped out, 1,000s of impending property deals are in jeopardy. The private flood markets would then be the lone possibility of related coverage.  

PRIME Insurance: Choices When Selecting Primary Flood Coverage!

This flood insurance comes with no NFIP fees or surcharges and has the following features:

  • The National Flood Insurance Program’s alternate
  • Rapid underwriting process
  • Every flood zone is qualified

Focused Risks include:

  • Pre or post firm primary or secondary
  • 1-4 family dwellings
  • Replacement cost basis
  • Loss of use available
  • Excess flood available as well

For more on the alternate nationwide flood insurance option, including our comprehensive bundled policy for primary, secondary and tenant occupied homes in NY and NJ, speak to us at PRIME Insurance.

PRIME Insurance is a multi-generation family-run independent agency. We’re proud partners with over 40 of the chief industry companies – leading names, like ACE, ASI, ASSURANT, CHUBB, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. This gives us the edge to locate tailored coverage at competitively lowest quotes.

PRIME Insurance provides all forms of NJ, NY, PA, MD, TX and other nationwide policies, including auto, home, commercial, flood, renters, bond, workers comp, life insurance and more. Join thousands of satisfied customers and experience the PRIME difference by visiting us at our insurance website, emailing us at PRIME [at] primeins [dot] com or calling us at 732-400-5242!


Summary: The government shutdown affects the National Flood Insurance Program, impacting home sales in flood risk zones.






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