The National Flood Insurance Program (NFIP) is a federal program, administered by FEMA, which makes subsidized flood insurance available in communities that agree to adopt corrective and preventative floodplain management regulations that will reduce future flood damages.
In addition to the on-going flood mapping update projects in Massachusetts, there have also been recent legislative changes that impact how FEMA administers and implements the National Flood Insurance Program (NFIP). Many of these legislative changes were included in the ‘Biggert-Waters Flood Insurance Reform Act’, which was enacted in 2012. On March 21, 2014 the President signed the ‘Homeowner Flood Insurance Reform Act of 2014’ which modified certain provisions of the 2012 Biggert-Waters Act, and makes additional program changes to other portions of the NFIP program. FEMA has published this ‘Fact Sheet’ that provides an overview of some of these changes. Additional information on FEMA flood insurance reform can also be found here (https://www.fema.gov/national-flood-insurance-program/flood-insurance-reform) as FEMA actively works to implement the new law.
In response to questions about the methodologies and science that the Federal Emergency Management Agency (FEMA) uses to produce updated coastal flood insurance rate maps in New England, FEMA recently developed this Fact Sheet to more clearly explain the methodology and details that go into FEMA’s analyses used to develop updated maps. The results of the FEMA analyses are intended to inform the development of more accurate maps and risk assessment tools for coastal areas, especially those that have high populations and dense development. These updated flood insurance rate maps developed for coastal communities ultimately drive requirements to have and maintain flood insurance, determine flood insurance premiums and the requirements for new and improved buildings.
Resources for Preparing, Recovery, and Repairing Your Home
Did you know that most homeowner's insurance policies do not cover damages caused by flood?
FEMA produces Flood Insurance Rate Maps, commonly known as FIRMS, to support the National Flood Insurance Program.
"Appendix 120.G of the state building code defines the regulations that affect new construction and substantial improvements in flood hazard areas."
Terms and definitions used by the Department of Conservation and Recreation (DCR) Flood Hazard Management Program (FHMP).
Contacts that are available to help answer any questions or concerns that you may have.
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