Floodplain Management and Insurance
Region III's Floodplain Management and Insurance Branch (FPM&I) serves as the point of coordination and resources on floodplain management and federal flood insurance through the National Flood Insurance Program (NFIP) for the State of Delaware, the District of Columbia, the State of Maryland, the Commonwealth of Pennsylvania, the Commonwealth of Virginia, and the State of West Virginia. This includes promoting community participation in the NFIP and ensuring compliance with NFIP regulations. Region III floodplain specialists provide floodplain management and insurance expertise to tribal, local, state, and other stakeholders including training on floodplain management, elevation certificates and substantial damage.
The NFIP is aimed at reducing the impact of flooding on private and public structures. This is achieved by encouraging communities to adopt and enforce floodplain management regulations, and by providing affordable flood insurance for property owners. Under the insurance component of the NFIP, this office provides oversight of flood insurance training programs and outreach efforts for insurance agents, lenders, real estate agents, and property owners throughout Region III.
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 sound land use development and the purchase and retention of insurance in general and National Flood Insurance in particular.
National Flood Insurance Program - Compliance
The U.S. Congress established the National Flood Insurance Program (NFIP) with the passage of the National Flood Insurance Act of 1968 and has been amended several times. The most recent reform of the NFIP is the Homeowner's Flood Insurance Affordability Act, or HFIAA.
The NFIP is a federal program enabling property owners in participating communities to purchase insurance as protection against flood losses in exchange for state and community floodplain management regulations that reduce future flood damages. The Regional Insurance Liaison (RIL) for FPM&I provides oversight of technical assistance on flood insurance training programs and outreach efforts for insurance agents, lenders, property owners and other stakeholders throughout the region.
Federal Flood Insurance
Flood insurance administered under the NFIP is written by state-licensed property insurance brokers and agents. Federal Insurance and Mitigation Administration (FIMA), a part of FEMA, provides rule-making and rates to insurance companies who partner through the Write Your Own (WYO) program as a cooperative undertaking of the insurance industry and FEMA. The WYO program allows participating property and casualty insurance companies to write and service the Standard Flood Insurance Policy in their own names. The companies receive and expense allowance for policies written and claims processed while the Federal government retains responsibility of underwriting losses.
The WYO program operates as part of the NFIP and is subject to its rules and regulations. For more flood insurance information please contact the National Flood Insurance Program Call Center at 1-800-621-3362, choose Option 2.
Community Rating System
The objective of the Community Rating System (CRS) is to support the goals of the NFIP. To do this, CRS provides insurance premium rate reductions to policyholders in recognition that their community's floodplain management activities work toward its three goals:
- Reduce flood damage to insurable property;
- Strengthen and support the insurance aspects of the NFIP, and
- Encourage a comprehensive approach to floodplain management
FEMA Region III works closely with our state and community partners to promote flood risk reduction and participation in the CRS program. Check out some of FEMA Region III's recent CRS plaque events:
- Etna Borough, Pennsylvania (Press Release)
- FEMA Honors Community Rating System Award for Excellence Recipient in Gloucester County, Virginia (Press Release)
- Wachapreague, Virginia (Press Release)
- Stafford County, Virginia (Press Release)
- Upper Makefield Twp., Pennsylvania (Press Release)
Community Assistance Program - State Support Services Element
The Community Assistance Program-State Support Services Element (CAP-SSSE) program derives its authority from the National Flood Insurance Act of 1968, as amended, the Flood Disaster Protection Act of 1973 and from 44 Code of Federal Regulations (CFR) Parts 59 and 60. This program grants funding to states to provide technical assistance to communities in the NFIP and to evaluate community performance in implementing NFIP floodplain management activities. In this way CAP-SSSE helps to:
- Ensure that the flood loss reduction goals of the NFIP are met,
- Build State and community floodplain management expertise and capability, and
- Leverage State knowledge and expertise in working with their communities.
For general flood insurance information, find an agent near your, and/or to discuss an NFIP Claim, call the NFIP Call Center, 1-800-621-3362, choose Option 2.
- Flood Insurance Rate Maps (FIRMS) - www.msc.fema.gov
- The Write Your Own (WYO) Program - https://www.fema.gov/write-your-own-wyo-program
- NEW: Elevation Certificate and Instructions, December 2016 - National Flood Insurance Program Elevation Certificate and Instructions
To reach FEMA Region III Mitigation Staff please go through the FEMA Region III News Desk at firstname.lastname@example.org.
Other Federal Agency Publications:
A Brief Guide to Mold - the U.S. Environmental Protection Agency (EPA)
Mold: Cleanup and Remediation - Centers for Disease Control and Prevention (CDC)