Who typically uses NFIP maps?

NFIP maps, or National Flood Insurance Program maps, are primarily used by insurance agents for rating flood insurance policies. Insurance agents rely on these maps to determine flood zones, the level of flood risk, and appropriate insurance premiums for properties. By referencing the flood maps, agents understand whether a property is located in a high-risk area, which directly influences the coverage options and rates available to homeowners or businesses seeking flood insurance.

While architects, real estate agents, and civil engineers may also reference NFIP maps for their respective work, their primary focus is on design, market analysis, and infrastructure planning, rather than on the specific requirements of flood insurance policies. Insurance agents are uniquely positioned to ensure that clients are properly informed about the flood risks associated with their properties, making their use of NFIP maps critical in facilitating accurate and fair insurance coverage.