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.
- Policy Interpretation 2010-1 – Buildings Over Water That Were Originally Constructed Over Land, February 16, 2010
- Acceptable Documentation for Underwriting Transactions Involving Multi-Property Letters of Map Revision (LOMR) or Letters of Map Amendment (LOMA), May 31, 2007
- Policy Issuance 1-2006, Re-Rating of Substantially Damaged Buildings, October 24, 2006
- Policy Issuance 2-2005, U.S. District Court Order Regarding the Sale of National Flood Insurance Program (NFIP) Insurance in Monroe County, Florida, October 4, 2005
- Policy Issuance 1-2005, Implementation of §209 of the Flood Insurance Reform Act (FIRA), May 19, 2005
- Effective 10/1/04 - Conversion of a Standard Rated Policy to a Preferred Risk Policy Due to a Map Revision or LOMA/LOMR, August 10, 2004
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
A table of changes is available here.
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
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