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Download or read book Introduction to the NFIP, Guide to Answers to Questions About the National Flood Insurance Program, (ERRATA). written by and published by . This book was released on 1998 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :
Publisher :
ISBN 13 :
Total Pages : 80 pages
Book Rating : 4.3/5 (91 download)
Download or read book Answers to Questions about the National Flood Insurance Program written by and published by . This book was released on 1997 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Charles D. Fletcher
Publisher : DIANE Publishing
ISBN 13 : 0788176080
Total Pages : 74 pages
Book Rating : 4.7/5 (881 download)
Download or read book Answers to Questions About the National Flood Insurance Program written by Charles D. Fletcher and published by DIANE Publishing. This book was released on 1999-03 with total page 74 pages. Available in PDF, EPUB and Kindle. Book excerpt: Intended to acquaint the public with the National Flood Insurance Program (NFIP). It is designed for readers who do not need a detailed history or refined technical or legal explanations, but do need a basic understanding of the program & the answers to some frequently asked questions. Includes: introduction to the NFIP; flood insurance information for prospective buyers; coverage; filing a flood insurance claim; floodplain management requirements; flood hazard assessments & mapping requirements; NFIP address & phone directory; list of available publications; & address for obtaining CRS coordinator's manual.
Author :
Publisher : DIANE Publishing Inc.
ISBN 13 :
Total Pages : 75 pages
Book Rating : 4./5 ( download)
Download or read book Answers to Questions about the Nfip written by and published by DIANE Publishing Inc.. This book was released on 2011 with total page 75 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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Publisher :
ISBN 13 :
Total Pages : 40 pages
Book Rating : 4.3/5 (121 download)
Download or read book Questions and Answers on the National Flood Insurance Program written by and published by . This book was released on 1983 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :
Publisher :
ISBN 13 :
Total Pages : 0 pages
Book Rating : 4.:/5 (141 download)
Download or read book National Flood Insurance Program: Answers to Questions about the NFIP. written by and published by . This book was released on 2011 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : United States. Department of Housing and Urban Development
Publisher :
ISBN 13 :
Total Pages : 52 pages
Book Rating : 4.3/5 (121 download)
Download or read book National Flood Insurance Program ... written by United States. Department of Housing and Urban Development and published by . This book was released on 1974 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :
Publisher :
ISBN 13 :
Total Pages : 54 pages
Book Rating : 4.:/5 (21 download)
Download or read book Answers to Questions about the National Flood Insurance Program written by and published by . This book was released on 2011 with total page 54 pages. Available in PDF, EPUB and Kindle. Book excerpt: The NFIP is a federal program created by Congress to mitigate future flood losses nationwide through community-enforced flooding and zoning ordinances and to provide access to affordable, federally backed flood insurance protection for property owners. This booklet answers many of the questions about the program, what it covers, and how it works.
Author : Federal Emergency Management Agency
Publisher : Createspace Independent Pub
ISBN 13 : 9781482062427
Total Pages : 66 pages
Book Rating : 4.0/5 (624 download)
Download or read book Answers to Questions about the National Flood Insurance Program (FEMA F-084 / March 2011) written by Federal Emergency Management Agency and published by Createspace Independent Pub. This book was released on 2013-01-24 with total page 66 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is intended to acquaint the public with the National Flood Insurance Program (NFIP). Despite the highly technical nature of the Program, there has been a deliberate effort to minimize the use of technical terms. This publication is designed for readers who do not need a detailed history or refined technical or legal explanations, but who do need a basic understanding of the Program and the answers to some frequently asked questions. Readers who need legal definitions should refer to the Standard Flood Insurance Policy (SFIP) and to NFIP and related regulations. The information provided herein is as current as possible, but changes in the NFIP are made periodically. Readers can obtain the most up-to-date insurance data by using the contact information at the back of the book. The NFIP is a Federal program created by Congress to mitigate future flood losses nationwide through sound, community-enforced building and zoning ordinances and to provide access to affordable, federally backed flood insurance protection for property owners. The NFIP is designed to provide an insurance alternative to disaster assistance to meet the escalating costs of repairing damage to buildings and their contents caused by floods. Participation in the NFIP is based on an agreement between local communities and the Federal Government that states that if a community will adopt and enforce a floodplain management ordinance to reduce future flood risks to new construction in Special Flood Hazard Areas (SFHAs), the Federal Government will make flood insurance available within the community as a financial protection against flood losses. For decades, the national response to flood disasters was generally limited to constructing flood-control works such as dams, levees, seawalls, and the like, and providing disaster relief to flood victims. This approach, however, did not reduce losses, nor did it discourage unwise development. In some instances, it may have actually encouraged additional development. To compound the problem, due to its high risk and seasonal nature, insurance companies were not able to provide affordable flood insurance coverage. In light of mounting flood losses and escalating costs of disaster relief to the taxpayers, the U.S. Congress created the NFIP. The intent was to reduce future flood damage through community floodplain management ordinances, and provide protection for property owners against potential losses through an insurance mechanism that requires a premium to be paid for the protection.
Author : National Research Council
Publisher : National Academies Press
ISBN 13 : 0309371287
Total Pages : 166 pages
Book Rating : 4.3/5 (93 download)
Download or read book Affordability of National Flood Insurance Program Premiums written by National Research Council and published by National Academies Press. This book was released on 2015-08-06 with total page 166 pages. Available in PDF, EPUB and Kindle. Book excerpt: The National Flood Insurance Program (NFIP) is housed within the Federal Emergency Management Agency (FEMA) and offers insurance policies that are marketed and sold through private insurers, but with the risks borne by the U.S. federal government. NFIP's primary goals are to ensure affordable insurance premiums, secure widespread community participation in the program, and earn premium and fee income that covers claims paid and program expenses over time. In July 2012, the U.S. Congress passed the Biggert-Waters Flood Insurance Reform and Modernization Act (Biggert-Waters 2012), designed to move toward an insurance program with NFIP risk-based premiums that better reflected expected losses from floods at insured properties. This eliminated policies priced at what the NFIP called "pre-FIRM subsidized" and "grandfathered." As Biggert-Waters 2012 went into effect, constituents from multiple communities expressed concerns about the elimination of lower rate classes, arguing that it created a financial burden on policy holders. In response to these concerns Congress passed The Homeowner Flood Insurance Affordability Act of 2014 (HFIAA 2014). The 2014 legislation changed the process by which pre-FIRM subsidized premiums for primary residences would be removed and reinstated grandfathering. As part of that legislation, FEMA must report back to Congress with a draft affordability framework. Affordability of National Flood Insurance Program Premiums: Report 1 is the first part of a two-part study to provide input as FEMA prepares their draft affordability framework. This report discusses the underlying definitions and methods for an affordability framework and the affordability concept and applications. Affordability of National Flood Insurance Program Premiums gives an overview of the demand for insurance and the history of the NFIP premium setting. The report then describes alternatives for determining when the premium increases resulting from Biggert-Waters 2012 would make flood insurance unaffordable.
Author : National Academies of Sciences, Engineering, and Medicine
Publisher : National Academies Press
ISBN 13 : 0309380774
Total Pages : 151 pages
Book Rating : 4.3/5 (93 download)
Download or read book Affordability of National Flood Insurance Program Premiums written by National Academies of Sciences, Engineering, and Medicine and published by National Academies Press. This book was released on 2016-02-21 with total page 151 pages. Available in PDF, EPUB and Kindle. Book excerpt: When Congress authorized the National Flood Insurance Program (NFIP) in 1968, it intended for the program to encourage community initiatives in flood risk management, charge insurance premiums consistent with actuarial pricing principles, and encourage the purchase of flood insurance by owners of flood prone properties, in part, by offering affordable premiums. The NFIP has been reauthorized many times since 1968, most recently with the Biggert-Waters Flood Insurance Reform Act of 2012 (BW 2012). In this most recent reauthorization, Congress placed a particular emphasis on setting flood insurance premiums following actuarial pricing principles, which was motivated by a desire to ensure future revenues were adequate to pay claims and administrative expenses. BW 2012 was designed to move the NFIP towards risk-based premiums for all flood insurance policies. The result was to be increased premiums for some policyholders that had been paying less than NFIP risk-based premiums and to possibly increase premiums for all policyholders. Recognition of this possibility and concern for the affordability of flood insurance is reflected in sections of the Homeowner Flood Insurance Affordability Act of 2014 (HFIAA 2014). These sections called on FEMA to propose a draft affordability framework for the NFIP after completing an analysis of the efforts of possible programs for offering "means-tested assistance" to policyholders for whom higher rates may not be affordable. BW 2012 and HFIAA 2014 mandated that FEMA conduct a study, in cooperation with the National Academies of Sciences, Engineering, and Medicine, which would compare the costs of a program of risk-based rates and means-tested assistance to the current system of subsidized flood insurance rates and federally funded disaster relief for people without coverage. Production of two reports was agreed upon to fulfill this mandate. This second report proposes alternative approaches for a national evaluation of affordability program policy options and includes lessons for the design of a national study from a proof-of-concept pilot study.
Author : National Research Council
Publisher : National Academies Press
ISBN 13 : 0309282934
Total Pages : 275 pages
Book Rating : 4.3/5 (92 download)
Download or read book Levees and the National Flood Insurance Program written by National Research Council and published by National Academies Press. This book was released on 2013-07-18 with total page 275 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Federal Emergency Management Agency's (FEMA) Federal Insurance and Mitigation Administration (FIMA) manages the National Flood Insurance Program (NFIP), which is a cornerstone in the U.S. strategy to assist communities to prepare for, mitigate against, and recover from flood disasters. The NFIP was established by Congress with passage of the National Flood Insurance Act in 1968, to help reduce future flood damages through NFIP community floodplain regulation that would control development in flood hazard areas, provide insurance for a premium to property owners, and reduce federal expenditures for disaster assistance. The flood insurance is available only to owners of insurable property located in communities that participate in the NFIP. Currently, the program has 5,555,915 million policies in 21,881 communities3 across the United States. The NFIP defines the one percent annual chance flood (100-year or base flood) floodplain as a Special Flood Hazard Area (SFHA). The SFHA is delineated on FEMA's Flood Insurance Rate Maps (FIRM's) using topographic, meteorologic, hydrologic, and hydraulic information. Property owners with a federally back mortgage within the SFHAs are required to purchase and retain flood insurance, called the mandatory flood insurance purchase requirement (MPR). Levees and floodwalls, hereafter referred to as levees, have been part of flood management in the United States since the late 1700's because they are relatively easy to build and a reasonable infrastructure investment. A levee is a man-made structure, usually an earthen embankment, designed and constructed in accordance with sound engineering practices to contain, control, or divert the flow of water so as to provide protection from temporary flooding. A levee system is a flood protection system which consists of a levee, or levees, and associated structures, such as closure and drainage devices, which are constructed and operated in accordance with sound engineering practices. Recognizing the need for improving the NFIP's treatment of levees, FEMA officials approached the National Research Council's (NRC) Water Science and Technology Board (WSTB) and requested this study. The NRC responded by forming the ad hoc Committee on Levee and the National Flood Insurance Program: Improving Policies and Practices, charged to examine current FEMA treatment of levees within the NFIP and provide advice on how those levee-elated policies and activities could be improved. The study addressed four broad areas, risk analysis, flood insurance, risk reduction, and risk communication, regarding how levees are considered in the NFIP. Specific issues within these areas include current risk analysis and mapping procedures behind accredited and non-accredited levees, flood insurance pricing and the mandatory flood insurance purchase requirement, mitigation options to reduce risk for communities with levees, flood risk communication efforts, and the concept of shared responsibility. The principal conclusions and recommendations are highlighted in this report.
Author :
Publisher : DIANE Publishing
ISBN 13 : 1437983758
Total Pages : 28 pages
Book Rating : 4.4/5 (379 download)
Download or read book National Flood Insurance Program: Background, Challenges, and Financial Status written by and published by DIANE Publishing. This book was released on with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : National Research Council
Publisher : National Academies Press
ISBN 13 : 0309371694
Total Pages : 86 pages
Book Rating : 4.3/5 (93 download)
Download or read book Tying Flood Insurance to Flood Risk for Low-Lying Structures in the Floodplain written by National Research Council and published by National Academies Press. This book was released on 2015-08-03 with total page 86 pages. Available in PDF, EPUB and Kindle. Book excerpt: Floods take a heavy toll on society, costing lives, damaging buildings and property, disrupting livelihoods, and sometimes necessitating federal disaster relief, which has risen to record levels in recent years. The National Flood Insurance Program (NFIP) was created in 1968 to reduce the flood risk to individuals and their reliance on federal disaster relief by making federal flood insurance available to residents and businesses if their community adopted floodplain management ordinances and minimum standards for new construction in flood prone areas. Insurance rates for structures built after a flood plain map was adopted by the community were intended to reflect the actual risk of flooding, taking into account the likelihood of inundation, the elevation of the structure, and the relationship of inundation to damage to the structure. Today, rates are subsidized for one-fifth of the NFIP's 5.5 million policies. Most of these structures are negatively elevated, that is, the elevation of the lowest floor is lower than the NFIP construction standard. Compared to structures built above the base flood elevation, negatively elevated structures are more likely to incur a loss because they are inundated more frequently, and the depths and durations of inundation are greater. Tying Flood Insurance to Flood Risk for Low-Lying Structures in the Floodplain studies the pricing of negatively elevated structures in the NFIP. This report review current NFIP methods for calculating risk-based premiums for these structures, including risk analysis, flood maps, and engineering data. The report then evaluates alternative approaches for calculating risk-based premiums and discusses engineering hydrologic and property assessment data needs to implement full risk-based premiums. The findings and conclusions of this report will help to improve the accuracy and precision of loss estimates for negatively elevated structures, which in turn will increase the credibility, fairness, and transparency of premiums for policyholders.
Author : Orice Williams Brown
Publisher : DIANE Publishing
ISBN 13 : 1437987249
Total Pages : 86 pages
Book Rating : 4.4/5 (379 download)
Download or read book FEMA: Action Needed to Improve Administration of the National Flood Insurance Program written by Orice Williams Brown and published by DIANE Publishing. This book was released on 2011-09 with total page 86 pages. Available in PDF, EPUB and Kindle. Book excerpt: The National Flood Insurance Program (NFIP) has been on a high-risk list since March 2006 because of concerns about its long-term financial solvency and related operational issues. Significant management challenges also affect the Federal Emergency Management Agency¿s (FEMA) ability to administer NFIP. This report examines: (1) the extent to which FEMA¿s management practices affect the administration of NFIP; (2) lessons learned from the cancellation of FEMA¿s attempt to modernize NFIP¿s insurance management system; and (3) limitations on FEMA¿s authority that could affect NFIP¿s financial stability. Includes recommendations. Charts and tables. This is a print on demand report.
Author : Fema
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781985337633
Total Pages : 54 pages
Book Rating : 4.3/5 (376 download)
Download or read book Is-1101.B written by Fema and published by Createspace Independent Publishing Platform. This book was released on 2017-12-18 with total page 54 pages. Available in PDF, EPUB and Kindle. Book excerpt: Course Overview This course is intended to provide insurance agents an introduction to the National Flood Insurance Program (NFIP) and help them to gain an understanding of fundamental aspects of the program including general policy rules, regulations, flood map usage, proper rating methods and claims handling processes. Course Objectives: To be able to apply knowledge of the National Flood Insurance Program in order to answer customer questions and resolve issues To be able to build an NFIP policy while taking the necessary community, building, coverage and rating options into consideration To be able to locate and use NFIP resources
Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity
Publisher :
ISBN 13 :
Total Pages : 178 pages
Book Rating : 4.F/5 ( download)
Download or read book Management and Oversight of the National Flood Insurance Program written by United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity and published by . This book was released on 2005 with total page 178 pages. Available in PDF, EPUB and Kindle. Book excerpt:
