Pennsylvania Insurance Department

10/08/2025 | Press release | Distributed by Public on 10/08/2025 12:13

Pennsylvanians Can Continue to Access Flood Insurance Options Despite National Flood Insurance Program Lapse | Insurance Department | Commonwealth of Pennsylvania

Harrisburg, PA - Today, the Pennsylvania Insurance Department (PID) reassured homeowners, homebuyers, and lenders that flood insurance remains available in Pennsylvania despite the federal National Flood Insurance Program's (NFIP) temporary loss of authority to renew or issue new flood insurance policies.

"Congress has once again failed to extend the NFIP, leading to more disruption in our housing markets. We want to make sure Pennsylvanians know that they still have strong, reliable, and affordable options for protecting their homes through private flood insurance while the NFIP remains unable to write new or renewal business," said Pennsylvania Insurance Commissioner Micheal Humphreys. "It's important to remember that if it rains, it can flood, and flooding can happen anywhere in Pennsylvania. The current private flood insurance market can provide consumers with choices to ensure they're not left unprotected when floods strike."

Pennsylvanians can continue to purchase private flood insurance through:

  • Licensed insurance companies: PID reviews and approves these insurers' policy forms and rates.
  • Surplus lines insurers: While not licensed in Pennsylvania, these insurers are licensed in other states and authorized to sell policies here through licensed surplus lines brokers. These policies are legitimate, widely used, and often provide competitive pricing compared to NFIP coverage.

Many Pennsylvanians may find that private flood policies offer broader coverage and, in some cases, lower premiums than NFIP policies.

Several well-established companies actively sell private flood insurance in Pennsylvania. More information to help Pennsylvanians find coverage is available on PID's Flood Insurance web page.

Pennsylvania Insurance Department published this content on October 08, 2025, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on October 08, 2025 at 18:13 UTC. If you believe the information included in the content is inaccurate or outdated and requires editing or removal, please contact us at [email protected]