New Brunswick Flood Risk Maps and Home Insurance Research
New Brunswick publishes updated flood hazard maps covering the coastline and many flood-prone rivers, including climate-change projections. Those maps are useful risk context, but a hazard map does not tell a homeowner whether a specific insurance policy covers overland flooding, sewer backup or another water-loss mechanism.
What to know
Use this as research context and verify the current policy wording for a real property, renewal or claim.
Use this as research context and verify the current policy wording for a real property, renewal or claim.
Use this as research context and verify the current policy wording for a real property, renewal or claim.
Use this as research context and verify the current policy wording for a real property, renewal or claim.
Start with the property location, then read the policy
Flood maps can help identify whether a property sits in a coastal or riverine hazard area. The next step is to compare that location risk with the actual policy wording for overland water, sewer backup, groundwater and other water-related exclusions or endorsements.
Do not turn a flood map into a premium quote
Hazard maps describe physical exposure and planning risk. They do not disclose an insurer's underwriting model, deductible, limit, claims history or replacement-cost assumptions for a particular address.
Seasonal monitoring matters
New Brunswick's River Watch program is traditionally active during spring flood season. A homeowner in an exposed area should treat preparedness, emergency alerts and insurance review as separate but connected tasks.
Check the current New Brunswick source
Hazard maps, emergency guidance and insurance consumer information can change. Use the official source below before making a property or claim decision.
Government of New Brunswick — Flood risk information and history →