Short answer: Delaware's Department of Natural Resources and Environmental Control runs the Floodplain Management Program that coordinates the NFIP for Delaware counties and towns. DNREC publishes model flood ordinances for both coastal and non-coastal communities that meet NFIP minimums and also incorporate recommendations from the Delaware Floodplain and Drainage Advisory Committee created by Senate Bill 64.
This guide is general information for Delaware property owners and renters about flood risk and the National Flood Insurance Program. It isn't a coverage determination. FEMA maps, your community's floodplain ordinance and your policy wording control.
DNREC as state coordinator
Per DNREC's Floodplain Management page, the program is the state coordinating agency of the NFIP. It helps local jurisdictions enforce minimum floodplain standards, promotes higher standards, and works with FEMA on map accuracy. DNREC also notes that homeowners' insurance does not cover flood damage, which is why NFIP (or private flood) matters on the Atlantic coast and inland.
Model ordinances that go beyond the floor
DNREC's resources for communities page says model flood ordinances have been developed for both coastal and non-coastal communities. Those models meet 44 CFR 60.3 minimums and also incorporate language from the recommendations of the Delaware Floodplain and Drainage Advisory Committee created through Senate Bill 64. Ask your town which model it adopted and whether it requires freeboard above the base flood elevation.
Coverage
Check FEMA's Map Service Center, then quote NFIP through FloodSmart. Most new NFIP policies have a 30-day waiting period.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Delaware.
Frequently asked questions
Who coordinates the NFIP in Delaware?
DNREC's Floodplain Management Program.
Does Delaware have model flood ordinances?
Yes. Separate coastal and non-coastal models that meet NFIP minimums and add SB 64 advisory-committee language.
Does Delaware homeowners insurance cover flood?
No. DNREC notes homeowners' insurance does not cover flood damage.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.