NFIP flood insurance shutdown (2026 edition)

[Jared Townsend]

As of January 30, 2026, the National Flood Insurance Program (NFIP) is once again closed for business. That means no new policies, no renewals, however claims for active policies can be processed. There are however private flood insurance carriers that are open for business and can bind coverage same day. Often times these policies offer better coverage limits and protections at comparable cost to NFIP policies. 

I'm curious - how many people out there are insuring with NFIP vs. private flood options?