National Flood Insurance Program

Website of the National Flood Insurance Program, administered by FEMA. General information about the NFIP, online copies of flood plain maps, links to insurance agents and similar information regarding flood insurance.

Flood Insurance Rate Concerns Presentation

At the winter 2014 Business Meetings, Austin Perez from the National Association of Realtors® presented the following slides regarding the at-the-time status of National Flood Insurance Program.

Flood Insurance: Our Latest Challenge Presentation

This presentation contains the slides from the webinar “Flood Insurance: Our Latest Challenge.” It was given by Melanie McLane, NAR member and instructor for NAR RSPS and REBAC courses.

NAR’s National Flood Insurance Program Toolkit

Resources collected and archived by NAR.


FEMA’S Rate Relief Programs

In anticipation of increasing flood insurance rates, FEMA identifies several options that may directly or indirectly result in flood insurance discounts to policyholders.

  • NFIP Community Rating System

    The NFIP Community Rating System (CRS) offers insurance premium discounts (up to 45 percent) for individuals in communities implementing floodplain management practices that exceed the minimum requirements of the NFIP. By implementing CRS floodplain management best practices, flood losses are reduced, public safety is enhanced, and the cost of flood insurance is decreased.

  • FEMA’s Hazard Mitigation Assistance (HMA) Program

    FEMA’s Hazard Mitigation Assistance (HMA) grant programs provide funding for eligible mitigation activities, including elevating properties, that reduce disaster losses and protect life and property from future disaster damages.

  • Elevation Certificates

    An Elevation Certificate is an important tool that documents your building’s elevation. This fact sheet provides valuable information for homeowners including guidance for obtaining an Elevation Certificate which is necessary for determining full-risk rates in high-risk zones, and which could show that you may be paying too much for flood insurance.

  • FEMA Flood Map Appeal

    If a person believes their property was incorrectly included in a NFIP-identified Special Flood Hazard Area (SFHA), they may submit an application to FEMA for a formal determination of the property’s location and/or elevation relative to the SFHA.

Editorial: Federal Flood Insurance and the 99% Not in Mansions

In this editorial published in the Wall Street Journal, Melanie McLane discusses how the Biggert-Waters Act is impacting Americans (subscription required).


Forms Resources

  • Seller Disclosure Form (Form SPD), Paragraph 18: Sellers are asked to disclose whether they’re aware that the property is in a FEMA flood zone

  • Residential Agreement of Sale (Form ASR), Paragraph 12: “Property and Flood Insurance” inspection reminds buyers to check with an insurance agent to determine the need and likely cost of flood insurance.