An insurance policy for the protection of property from a flood which is typically not part of a homeowner's insurance policy.
Property owners are often informed by their insurance agent or lender that they need an Elevation Certificate—and their first response is typically, “what the heck is an Elevation Certificate?”
Only 390 counties in the US hold about 90% of the National Flood Insurance Program (NFIP) flood insurance policies.
To put that in perspective, there are about 3,144 county and county equivalent areas in the US. Therefore, about 12% of the counties hold about 90% of the flood insurance policies. And there are about 169 million people living in those counties, which is 54% of the US population.
