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Flood Insurance Manuals and Handbooks

Flood Insurance Manual

The Flood Insurance Manual is used primarily by insurers and agents selling and servicing NFIP flood insurance.

NFIP Policy Issuances, Endorsements and Bulletins

These underwriting NFIP bulletins and policy issuances from 2004 through 2010, provide additional guidance for insurers and agents selling flood insurance.

NFIP Claims

Claims Manual

This manual improves clarity of flood insurance claims guidance to NFIP Write Your Own (WYO) companies, flood vendors, flood adjusters and examiners, so that policyholders experience consistency and reliability of service.

Effective Oct. 1, 2021

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A table of changes is available here.

Previous Manuals

Claims Handbook

This handbook provides guidance on the claims and recovery process for homeowners, renters and business owners. It also includes information on preparing people and property for an impending flood event. 

Effective April 21, 2022

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Manual de reclamaciones del NFIP

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National Flood Insurance Program Specific Rating Guidelines

This Specific Rating Guidelines manual provides the rules and rates for Submit-for-Rate risks. These are properties at high flood risk that, because of peculiarities in their exposure to flooding, do not lend themselves to pre-programmed rates noted in the Flood Insurance Manual. These risks require an in-depth underwriting analysis before a risk premium rate can be applied.

Specific Rating Guidelines