Flood Insurance

PIA supports the vital role that independent agents play in the administration and delivery of the National Flood Insurance Program (NFIP).

The NFIP was created by the National Flood Insurance Act of 1968 to enable property owners in participating communities to purchase flood insurance from the government. Because flood insurance is excluded from regular homeowners' policies, the NFIP has proven to be a necessary program for individuals to protect their homes and businesses. However, the NFIP has been subjected to many financial challenges in recent years that have necessitated reforms, such as the Biggert-Waters Reform Act of 2012 and Homeowners Flood Insurance Affordability Act of 2014. PIA participated actively in both of the 2012 and 2014 reform efforts for the NFIP and continues to work actively to support strategies for ensuring a stable flood insurance market for property owners.

PIA Advocates for Independent Agents by:

  • Working with members of Congress to support legislative solutions to create sensible options for growing the private flood insurance market, promoting flood risk management policies, transitioning to risk-based rates and reforming the NFIP.
  • Working with the Federal Emergency Management Agency (FEMA) to support solutions for eliminating the NFIP's debt and putting the program on a path to fiscal stability ahead of September 30, 2017, when the program is up for reauthorization.
  • Participating in the Flood Insurance Producers National Committee (FIPNC), an advisory committee to the federal government on issues concerning the NFIP.

Recent PIA Letters & Comments

NFIP Senate Letter (June 15, 2018)


Government Resources for Agents & Brokers

WYO Program Bulletins & NFIP Manuals
FEMA's NFIP Website
FEMA en Espanol

Click Here for Archived Resources.