Congress passed laws in both 2012 and 2014 that made changes to the National Flood Insurance Program. The 2014 eliminated some parts of the 2012 changes, modified some parts of it, and left other parts of the 2012 law as they were. The changes have created confusion for those trying to understand what the changes really mean for flood insurance premiums. Florida Sea Grant has responded by creating some materials on the changes to the NFIP as well as bringing together several different resources that help explain the changes. Below are resources for both “Property Owners” and “Real Estate Professionals.” In addition, there are links to presentations given to public audiences and to real estate professionals in Florida’s panhandle in August 2014.

PowerPoint Presentations on Changes to the NFIP

These two presentations are very similar as they both seek to help shed light on how premiums may change for different types of properties under the new 2012 and 2014 laws.

Presentation for Property Owners

Presentation to Real Estate Professionals

Resources for Property Owners

Federal Emergency Management Agency (FEMA) (web page): www.fema.gov/national-flood-insurance-program/flood-insurance-reform

FEMA: Changes to the National Flood Insurance Program—What to Expect (web page with link to pdf of PowerPoint presentation):
www.fema.gov/media-library/assets/documents/96449

FEMA: Audio-enhanced PowerPoint presentation on the 2014 “Homeowner Flood Insurance Affordability Act” changes to the NFIP (PPT):
http://riskmap6.com/documents/resource/HFIAA_Webinar_AudioFINAL.pptx

FEMA: NFIP Definitions (web page): www.fema.gov/national-flood-insurance-program/definitions

Association of State Floodplain Managers: Analysis of the Homeowners Flood Insurance Affordability Act (pdf document)
www.floods.org/ace-files/documentlibrary/2012_NFIP_Reform/HFIAA_Analysis_ASFPM_4-17-14_Final.pdf

FEMA: Reducing Insurance Costs (video): www.fema.gov/media-library/assets/videos/84728

Flood Insurance Manual: www.fema.gov/flood-insurance-manual

FEMA: Flood Insurance Premium Refunds: Who Gets Them and Who Does Not? (pdf): https://s3-us-gov-west-1.amazonaws.com/dam-production/uploads/1404830857286-60cdd9d1e7b83d90cf2da35935d239a0/FEMA_HFIAA_Refund_FactSheet_070714.pdf

FEMA: What is a Subsidized Rate? (video): www.fema.gov/media-library/assets/videos/84716

FEMA: Flood Zones (link to definition page): www.fema.gov/floodplain-management/flood-zones

Community Rating System: www.crsresources.org

Resources for Real Estate Professionals

Federal Emergency Management Agency (FEMA) (web page): www.fema.gov/national-flood-insurance-program/flood-insurance-reform

FEMA: Changes to the National Flood Insurance Program—What to Expect (web page with link to pdf of PowerPoint presentation):
www.fema.gov/media-library/assets/documents/96449

FEMA: Audio-enhanced PowerPoint presentation (PPT): http://riskmap6.com/documents/resource/HFIAA_Webinar_AudioFINAL.pptx

FEMA: Resources for Real Estate Agents (web page)
www.fema.gov/flood-insurance-reform-resources-property-owners-and-renters-insurance-agents-real-estate-agents-and#RE_agents

FEMA: Reducing Insurance Costs (video): www.fema.gov/media-library/assets/videos/84728

Flood Insurance Manual: www.fema.gov/flood-insurance-manual

FEMA: Flood Insurance Premium Refunds: Who Gets Them and Who Does Not? (pdf):
https://s3-us-gov-west-1.amazonaws.com/dam-production/uploads/1404830857286-60cdd9d1e7b83d90cf2da35935d239a0/FEMA_HFIAA_Refund_FactSheet_070714.pdf

FEMA “Write Your Own” Program Bulletin W-14035 on Refunds (web page with links to pdf documents):
www.nfipiservice.com/Stakeholder/FEMA3/W-14035.html

FEMA: What is a Subsidized Rate? (video): www.fema.gov/media-library/assets/videos/84716

FEMA: Flood Zones (link to definition page): www.fema.gov/floodplain-management/flood-zones

Community Rating System: www.crsresources.org