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Flood Insurance Manual - Effective October 1, 2020

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

The manual is available in several formats:

  • Download the full manual in a single PDF file.
  • Download the full manual, with each section broken out into individual PDFs, in a ZIP file.
  • Download a single section of the manual in an individual PDFs (see below).

Search for Flood Insurance Manual Files

Flood Insurance Manual - Effective October 1, 2020

This link contains the full manual in a single PDF file (19.8 MB).

FEMA’s regular updates to the National Flood Insurance Program Flood Insurance Manual reflect an ongoing effort to enhance the customer experience and evolve the NFIP into a world-class organization. FEMA has revised the document to incorporate NFIP program changes announced October 1, 2019, address stakeholder feedback, and clarify existing guidance.

Red text on the amended pages identifies updated information and all footers, except Appendix F, reflect the April 1, 2020 effective date. The October 2020 update revises the April 2020 NFIP Flood Insurance Manual-Appendix F and has an effective date of October 1, 2020. It deletes the April 2020 list of Community Rating System communities and inserts a link to the updated October 2020 list of all CRS community statuses that will become effective on October 1, 2020.

Flood Insurance Manual - Effective October 1, 2020 - All Files

This ZIP folder contains the April 2020 Flood Insurance Manual, with October 2020 Updates to Appendix F, broken out into individual PDFs for each section.

Flood Insurance Manual - Cover

Flood Insurance Manual - Cover Memo

Flood Insurance Manual - How to Cancel

Flood Insurance Manual - How to Renew

Flood Insurance Manual - How to Endorse

Flood Insurance Manual - Appendix A: Policy

Flood Insurance Manual - Appendix B: Forms

Flood Insurance Manual - Appendix C: Lowest Floor Guide

Flood Insurance Manual - Appendix D: Coastal Barrier Resources System

Flood Insurance Manual - Appendix E: Claims

Flood Insurance Manual - Appendix F: Community Rating System

Flood Insurance Manual - Appendix G: Leased Federal Properties

Flood Insurance Manual - Appendix H: Flood Maps

Flood Insurance Manual - Appendix I: Severe Repetitive Loss Properties

Flood Insurance Manual - Appendix J: Rate Tables

Flood Insurance Manual - Appendix K: Residential Basement Floodproofing Premium Discount

Flood Insurance Manual - Appendix L: Definitions and Acronyms

Last updated September 30, 2020