From which agency do you purchase flood insurance?

Flood insurance is primarily obtained through the National Flood Insurance Program (NFIP), which is administered by FEMA (Federal Emergency Management Agency). While FEMA oversees the NFIP, policies are actually purchased through the program itself.

FEMA itself is not where you go to buy insurance directly; rather, it acts as the federal agency responsible for the NFIP, setting regulations and standards. The NFIP provides flood insurance to property owners, renters, and businesses in participating communities, making it the specific agency through which the flood insurance policies are issued.

In this context, while FEMA is integral to the management and oversight of the NFIP, the fundamental source of purchase for flood insurance is through the NFIP program, which is the correct response. Understanding how NFIP and FEMA interact is crucial for navigating the processes involved in purchasing flood insurance.