FEMA Updates the NFIP Flood Insurance Manual

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The latest update to the National Flood Insurance Program’s "Flood Insurance Manual" is now available at FEMA.gov. The update is effective April 1.

FEMA regularly updates the manual to enhance the customer experience and evolve the National Flood Insurance Program into a world-class organization.

The Flood Insurance Manual incorporates the minimal program changes announced in October 2020 and the effective April 1 changes. Updates include: 

  • The list of eligibility requirements to the Community Rating System.
  • The premium rates for policies written or renewed by April 1.
  • The severe repetitive loss premium and reserve fund assessment percentages for policies written or renewed on or after April 1. 

Two additional updates will be effective as of Jan. 1, 2022:

  • Base premiums for preferred risk policies and newly mapped rated policies written or renewed on or after Jan. 1, 2022. 
  • Premium multiplier tables for policies rated under the newly mapped procedure written or renewed on or after Jan. 1, 2022. 

The April 2021 edition also replaces outdated content, clarifies guidance and replaces physical mailing addresses with email addresses. The manual does not change flood insurance coverage or supersede the terms and conditions of the standard flood insurance policy.