U.S. flag

An official website of the United States government

Dot gov

The .gov means it’s official.

Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you’re on a federal government site.

Https

The site is secure.

The https:// ensures that you are connecting to the official website and that any information you provide is encrypted and transmitted securely.

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.

Current Edition

Effective April 1, 2020

Previous Editions

2005 - 2019

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.

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 May 1, 2020

Previous Manuals

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

Last updated Aug 11, 2020