The National Flood Insurance Program

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The National Flood Insurance Program (NFIP) is aimed at reducing the impact of flooding on private and public structures. This is achieved by providing affordable insurance for property owners and by encouraging communities to adopt and enforce floodplain management regulations. These efforts help mitigate the effects of flooding on new and improved structures. Overall, the program reduces the socio-economic impact of disasters by promoting the purchase and retention of Risk Insurance in general, and National Flood Insurance in particular.


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To improve the nation’s resilience to flooding and better prepare the nation for the impacts of climate change, the President’s Climate Action Plan (June 2013) directs federal agencies to take the appropriate actions to reduce risk to federal investments, specifically to “update their flood-risk reduction standards.” 

To further the Climate Action Plan, the President released the Executive Order, Establishing a Federal Flood Risk Management Standard and a Process for Further Soliciting and Considering Stakeholder Input, and the Standard. For more information visit: Seeking Public Comment on Draft Federal Flood Risk Managment Standard Implementation.

Flood Insurance Reform
On March 21, 2014, President Obama signed the Homeowner Flood Insurance Affordability Act of 2014 into law. This law repeals and modifies certain provisions of the Biggert-Waters Flood Insurance Reform Act, which was enacted in 2012. FEMA will continue to identify and publish special flood hazards and flood risk zones as authorized and required by Congress. More information on the new law and its impacts on the NFIP will be forthcoming.

View Your Community's Preliminary Flood Hazard Data
Preliminary flood hazard data provide an early look at your home or community’s risk to flood hazards. There are many benefits to viewing your community’s data before it becomes effective. For more information, visit the Preliminary Flood Hazard Data page

Preferred Risk Policy Eligibility Extension for Insurance Professionals 
New resources have been created to help various audiences understand and explain the benefits of the NFIP's new Preferred Risk Policy Extension. The link above will not only allow you to access important documents created for the insurance professional but also to navigate to other resources created for each audience type.

Flood Insurance Requirements for Recipients of Federal Disaster Assistance
When property owners receive financial assistance from the federal government following a Presidentially declared disaster, they may be required to purchase flood insurance coverage.

Answers to Questions About the NFIP
This booklet is intended to acquaint the public with the National Flood Insurance Program. This publication is designed for readers who do not need a detailed history or refined technical or legal explanations but do need a basic understanding of the program and the answers to some frequently asked questions.

NFIP/CRS Update Newsletter
A publication to provide local officials and others interested in the Community Rating System (CRS) with news they can use.

Additional Information

Last Updated: 
02/13/2015 - 15:05
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