[kscarrol]

Traditional flood is a federal program though various companies (USAA in my case) manage policies for their customers. Historically, when I lived in New Orleans, no new polices would be written when there was an active storm. That's what's happening to the OP in SoCal with the current "atmospheric river" situation.

If you're talking supplemental flood on top of the federal program then that may be different where insurance companies simply refuse to issue new policies at all.