At this time, flood insurance is not mandatory. The FCLID Board highly recommends every property owner within the District purchase flood insurance. Flooding is not covered by homeowner insurance policies, but can be purchased through FEMA’s National Flood Insurance Program (NFIP). Please contact your insurance agent to learn about NFIP. Recent Gulf Coast storms have demonstrated that flood insurance can be valuable for recovering from a flood loss. The FCLID Board of Directors and their attorney will continue to monitor any proposed legislation regarding changes to the NFIP that may impact District residents.