Changes to the NFIP – 2017


NFIP Rate Changes Effective April 1, 2017

March 28, 2017

As announced on September 27, 2016, key changes being made to the National Flood Insurance Program (NFIP) on April 1, 2017, include updated insurance policy premium increases conforming to the premium rate caps established by the Biggert-Waters Flood Insurance Reform Act of 2012 (BW-12) and the Homeowners Flood Insurance Affordability Act of 2014 (HFIAA).

Premiums will increase upon renewal an average of 6.3 percent beginning April 1, 2017. Premiums do not include the HFIAA surcharge or the Federal Policy Fee (FPF), which are not increasing.

It is important to note that nearly 80 percent of NFIP policyholders are full-risk rated and therefore, minimally impacted by these rate increases. If individual policyholders have questions about their premiums, or NFIP coverage, we urge them to reach out to their insurance agent, or visit FEMA’s website, for more information.

More information on NFIP program changes taking effect April 1, 2017 is available here.


Collection: April 2017 National Flood Insurance Program Changes

April 12, 2017

This series of short videos explains some key elements of changes to the NFIP that are effective April 1, 2017.  Please see a brief explanation of each video segment below.

Collection Created:

Premium Increases and Surcharges:  This short video discusses the updated premium rates that conform to the premium rate caps established by Biggert-Waters and the Homeowner Flood Insurance Affordability Act.

Newly Mapped Multiplier Table:  This short video segment discusses changes related to the Newly Mapped Multiplier Table. In the April 2017 Program Changes, FEMA is providing updated multiplier tables to assist in determining  which multiplier to use in calculating the premium for properties newly mapped into a Special Flood Hazard Area through December 2018.

Substantially Improved Buildings and Updates to the Community Rating System List:  This short video discusses the clarifications for policy rating and loss adjustment for Pre-Flood Insurance Rate Map substantially improved properties and when the next update of the Community Rating System Eligible Community List will occur.

Videos by Amanda Bicknell


Coming Soon: NFIP Changes Coming October 1, 2017

March 28, 2017

FEMA, through the NFIP, will announce program changes taking effect on October 1, 2017. These include a reduced Federal Policy Fee (FPF) for tenants with contents-only policies, and revised guidance for refunding the HFIAA surcharge when some policies are canceled.

FEMA always announces program changes and updates six months in advance of these changes taking effect so that Write Your Own (WYO) companies and insurance agents are aware of and can prepare for the changes. All program changes will impact individual policyholders upon renewal of their policies. Changes are announced via WYO Bulletin, available for public review here.


Specific Rating Guidelines – Effective April 2017

Specific Rating Guidelines – Effective April 2017.  This Specific Rating Guidelines manual provides the rules and rates for Submit-for-Rate risks.  These are properties at high flood risk that, because of peculiarities in their exposure to flooding, do not lend themselves to pre-programmed rates noted in the NFIP Flood Insurance Manual.  These risks require an in-depth underwriting analysis before a risk premium rate can be applied.

For a list of all Rate Changes, link to


2017 Flood Insurance Manual

Effective April 1, 2017

The NFIP Flood Insurance Manual is used primarily by insurers and agents selling and servicing Federal flood insurance.

Link to FEMA’s webpage for the latest manual and information.  


FEMA Bulletins

FEMA has issued a series of bulletins announcing rating, underwriting and processing changes. Here’s a quick glimpse into each along with a link to more reading material.

W-16018 – Deductible Disclosure and Cancellation Receipt Date Proceduresin the November  2015 edition of the NFIP Flood Insurance Manual (FIM), FEMA indicated that when a mortgagee was listed on an NFIP flood policy, the mortgagee’s written consent had to be secured before requesting a deductible higher than the applicable minimum deductible. That requirement has now been eliminated retroactive to November 1, 2015, since it is too burdensome to policyholders. Read more…

The same bulletin revises how cancellation effective dates that are based on the cancellation receipt date are determined. The November 2015 edition of the FIM stated that for the purpose of determining the receipt date of the cancellation/nullification request, the receipt date shall be that date on which the cancellation/nullification request, along with the complete supporting documentation for that request, is received by the insurer. That cancellation receipt date determination has now been revised. Read more…

W-16020 – April 2016 Revisions to the NFIP Flood Insurance Manual Posted Online – on March 29th an updated version to the NFIP Flood Insurance Manual was posted at: .

W-16022 – October 1, 2016 Program Changes – FEMA provides a look ahead to program changes coming this autumn.  FEMA is implementing a number of changes to refund procedures that will better benefit policyholders. Some of the changes outlined are retroactive to a November 1, 2015, receipt date, but the effective date cannot be earlier than April 1, 2016.

Because the April 1, 2016, revisions to the FIM were already being finalized at the time of the preparation of this bulletin, the provisions of this bulletin supersede any conflicting guidance in the November 1, 2015, or April 1, 2016, FIM. Read more…

W-16024 – Implementation of Section 100214 of BW-12 – Payment of Condominium Claims – Section 100214 of Biggert-Waters prohibits FEMA from denying payment to condominium unit owners who purchased unit-owner building coverage under the Dwelling Form policy for building claims that cannot be paid by the Residential Condominium Building Association Policy (RCBAP). The RCBAP’s coinsurance penalty triggers when the building insurance coverage purchased by the condominium association is less than 80 percent of the full replacement cost of the RCBAP insured condominium building, or less than the maximum amount of insurance available. Read more…


Suggested Additional Reading – WYO Program Bulletins

FEMA periodically issues WYO Program Bulletins related to recent legislative changes and clarifications to the NFIP Flood Insurance Manual.  The bulletins are posted at







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