In 2012, the U.S. Congress passed the Biggert Waters Flood Insurance Reform Act of 2012 which calls on the Federal Emergency Management Agency (FEMA) and other agencies to make a number of changes to the way the NFIP is run. Some of these changes have already been put in place, and others will be implemented in the coming months. Key provisions of the legislation will require the NFIP to raise rates to reflect true flood risk, make the program more financially stable, and change how Flood Insurance Rate Map (FIRM) updates impact policyholders. The changes will mean premium rate increases for some – but not all — policyholders over time.
For more information, click on these links:
FEMA Website – Flood Insurance Reform Act of 2012
Impact of National Flood Insurance Program (NFIP) Changes
FAQ about the Biggert-Waters Flood Insurance Reform Act of 2012
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