Flood Insurance

Why You Need Flood Insurance

While Newark is not prone to hurricanes, any severe storm can produce torrential rains and flooding. Homes located within the 100-year floodplain along the main channels of Christina Creek or White Clay Creek and built prior to the adoption of city floodplain regulations may be at risk of flooding during a severe local storm.

Most homeowners’ insurance policies specifically exclude damage caused by flood waters or from rising water from inadequate drainage and wind-driven rain.

National Flood Insurance Program (NFIP)

Fortunately, flood insurance is available to Newark homeowners of property located in the floodplain through the National Flood Insurance Program (NFIP). The NFIP offers flood damage protection to communities, such as Newark, that have worked to manage and reduce the dangers of local flooding. Because of the City’s rigorous floodplain and related regulations, Newarkers qualify for lower flood insurance premiums through the Federal Emergency Management Agency’s community rating system.

NFIP coverage is available to any Newark owner or renter of insurable property. If you would like to purchase flood insurance, please contact any licensed property insurance agency or broker.

Additional Resources

FEMA Flood Map Service Center: https://msc.fema.gov/portal
Delaware Environmental Navigator: http://maps.dnrec.delaware.gov/navmap
The National Flood Insurance Program: https://www.fema.gov/national-flood-insurance-program
Floodsmart.org: https://www.floodsmart.gov/floodsmart/

More Information

For more information about whether your property is located within the 100-year floodplain of the Christina Creek or White Clay Creek, please call the Newark Planning Department at (302) 366-7000.