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National Flood Insurance Program: Evaluation Studies

This collection provides study reports and background information used to evaluate and inform the National Flood Insurance Program in 2006.

The National Flood Insurance Program: An Annotated Bibliography

Bibliography for the Evaluation of the National Flood Insurance Program

The National Flood Insurance Program’s Mandatory Purchase Requirement: Policies, Processes and Stakeholders

This sub-study investigates how the mandatory purchase of flood insurance is implemented and enforced.

A Chronology of Major Events Affecting the National Flood Insurance Program

A chronology of major events affecting the National Flood Insurance Program beginning with the year 1824 through January 2006.

Design For the Evaluation of the National Flood Insurance Program

n introduction to the Evaluation of the National Flood Insurance Program.

The National Flood Insurance Program’s Market Penetration Rate: Estimates and Policy Implications

This sub-study is designed to help the NFIP set appropriate goals for market penetration rates and expand the number of flood insurance policies in force over time, to evaluate strategies for increasing market penetration rates, and to consider how goals should vary by type of community.

The Developmental and Environmental Impact of the National Flood Insurance Program: A Summary Research Report

This sub-study assess FEMA’s compliance with the National Environmental Policy Act and Executive Order 11988; evaluates litigation in cases where the NFIP is alleged to have encouraged development of habitat protected by the Endangered Species Act; gathers data about community perceptions of the role of the NFIP in development and homeowner perception of flood risk; examines what types of communities use incentives in the Community Rating System to adopt floodplain protection practices; and examines the NFIP’s relationship to the Coastal Barrier Resource System.

Managing Future Development Conditions in the National Flood Insurance Program

This sub-study draws on existing data from a series of community case studies to examine current and future hydrology to estimate potential flood damage by varying degrees of flood events.

State Roles and Responsibilities in the National Flood Insurance Program

This sub-study seeks to improve understanding of how state agencies implement their responsibilities for floodplain management and how state agencies affect whether the NFIP meets its goals.

2008 Supplement to the 2006 Evaluation of the NFIP's Building Standards (2013)

This document provides a supplement analysis to the 2006 Evaluation of the National Flood Insurance Program’s (NFIP's) Building Standards. The purpose of this document is to determine the cost-effectiveness of including freeboard within the foundation height of new residential buildings constructed in floodplains, and to establish which factors should be considered when determining how many feet above the minimum NFIP-required elevation a house should be constructed in order to maximize cost-effectiveness.

Evaluation of the National Flood Insurance Program’s Building Standards

This sub-study evaluates the NFIP building standards, including a review of flood loss and damage data for structures and communities, and calculation of costs and benefits of modifying NFIP building standards across defined ranges of flood conditions and building configurations, differentiated by flood hazard zone.

Assessing the Adequacy of the National Flood Insurance Program's 1 Percent Flood Standard

This sub-study evaluates the adequacy of the current 1 percent annual chance flood standard and addresses possible impacts of changing the standard.

An Evaluation of Compliance with the National Flood Insurance Program Part B: Are Minimum Building Requirements Being Met?

This report measures the level of compliance with the NFIP’s building requirements among structures in flood hazard areas.

An Evaluation of Compliance with the National Flood Insurance Program Part A: Achieving Community Compliance

This report examines the roles of federal, state, and local government in enforcing and monitoring compliance with the NFIP.

Costs and Consequences of Flooding and the Impact of the National Flood Insurance Program

This sub-study assesses the NFIP’s effect on total flood losses, on federal, state, and local governments’ overall costs of response and recovery, on the costs of state and federal disaster relief, and on low-income populations.

The Role of Actuarial Soundness in the National Flood Insurance Program

This sub-study examines whether actuarial soundness should be one of the NFIP’s goals, the NFIP’s progress in moving towards actuarial soundness, and the inherent impediments to meeting that goal.

Performance Assessment and Evaluation Measures for Periodic Use by the National Flood Insurance Program

This sub-study evaluates the performance assessment and evaluation measures used by the NFIP, and recommends improvements, as appropriate.

Recommendations from the Individual Reports

This document is a compilation of recommendations from all the reports in the 2001–2006 Evaluation of the National Flood Insurance Program.

The Evaluation of the National Flood Insurance Program – Final Report

The NFIP Evaluation Capstone Study summarizes what was done, what was learned, and recommendations made. It synthesizes the sub-study findings into a coherent report evaluating the aspects of the Program prioritized by the NFIP Evaluation Steering Committee, and makes cross-cutting recommendations evidenced by themes that arise across the various sub-studies.