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National Flood Insurance Program

Biggert Waters Flood Insurance Reform Act

How Will the Biggert-Waters Flood Insurance Reform Act of 2012 Affect You?

Provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 (BW-12) require the NFIP to raise insurance rates for some older properties in high-risk areas to reflect true flood risk.

Learn more by visiting the National Flood Insurance Program website.

A video has also been published H2O Partners, Inc. and describes the National Flood Insurance Program's history, how it works, and important changes recently enacted by Congress. You'll learn what these changes mean for both the Program and your community, the timing of these changes, and how they'll help ensure that the National Flood Insurance Program remains a strong and vital resource for our communities.

Click here to view the video.




Protect Yourself
Since standard homeowners insurance doesn't cover flooding, it's important to have protection from the floods associated with hurricanes, tropical storms, heavy rains and other conditions that impact the U.S.

In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves. The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP. Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding.

Find out more about the NFIP and how it can help you protect yourself.

Answers to Questions About the NFIP
NFIP Summary of Coverage
The Benefits of Flood Insurance Versus Disaster Assistance
Myths and Facts about the National Flood Insurance Program
Why You Need Flood Insurance


(Source: www.floodsmart.gov)




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One-Step Flood Risk Profile

  • Rate your risk
  • Estimate your premiums
  • Find an agent