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 Standard Flood Insurance Policy Forms


 Flood Maps


 Selling the National Flood Insurance Program (NFIP)

  • A guide from on how agents can build a flood insurance marketing plan.
  • From the novice to the seasoned industry professional, everyone could use a few pointers for talking to prospects about flood insurance. The NFIP has developed the following tools and resources to provide valuable insight and assistance with your customer recruitment efforts.
  • Every licensed property insurance agent can sell flood insurance through the National Flood Insurance Program (NFIP). But flood insurance has a special language—and requires specific sales knowledge. That’s why the NFIP has prepared this guide. It will help you learn to “speak flood” to your clients. And it will show you how to gain access to all of the sales and marketing tools and tips waiting for you at
  • Download the latest and past editions of the complete Flood Insurance Manual.
  • Brochures, fact sheets, stuffers, stickers, booklets, and more.
  • Expertly designed, turnkey advertising templates that capture the importance of purchasing flood insurance.
  • FloodSmart has designed a range of high-impact flood insurance ad templates, co-branded with the NFIP logo, for your use. They’re available in different sizes and formats and are easy to access. You can download them directly to your desktop with the click of a button. All you need to do is add your agency’s logo and contact information in the space provided, and market your message in a variety of media.
  • FEMA has several BW-12 brochures and fact sheets that can help answer customer questions.



 Laws, Regulations & Legal Opinions


 Helpful Resources

  • On March 21, 2014, President Obama signed the Homeowner Flood Insurance Affordability Act of 2014 into law. This law repeals and modifies certain provisions of the Biggert-Waters Flood Insurance Reform Act, which was enacted in 2012, and makes additional program changes to other aspects of the program not covered by that Act.
  • Slideshow created by Jeanne Albatelli of Abatelli Group for the Independent Insurance Agents & Brokers of Suffolk County. Originally posted on
  • In this series of video tutorials, you will go through the process of determining the Lowest Floor Elevation in a linear way. You’ll then be ready to use your carrier's rating software to complete the quoting process.
  • This fact sheet provides an overview of what some eligible policyholders can expect in refunds later this year.
  • Notice of changes coming to the NFIP on April 1, 2016, including new premium rates, policy fees, base premium tables, rating procedures for Preferred Risk Policies, and more.
  • This memorandum provides notification of the changes that the NFIP will implement effective October 1, 2016.
  • A simple explanation of what is and is not covered in the homeowners and flood policies in a simple PDF format for you to print, email or share online with clients.
  • This is a prime time to remind your clients about the importance of buying flood insurance? Why? It's because there is typically a 30-day wait before a policy goes into effect, and there's still the risk of a Nor'easter and all the snow, heavy rains and gale force winds they bring at this time of the year, says FloodSmart.
  • Write Your Own Flood Partner
  • Disaster preparedness resources from the Federal Emergency Management Agency.
  • Consumer-oriented web site about flooding and flood insurance.
  • The Biggert-Waters Flood Insurance Reform and Modernization Act of 2012 reauthorizes the program through September 30, 2017, but brings with it many changes. In this issue of Flood News, we have provided a summary of the changes and the policies affected.
  • An excerpt from the Aug. 14, 2013 issue of IIABNY Insider that discusses key points about the flood exposure and the things NFIP policies do and do not cover.
  • Not only were Colorado homes damaged by the recent severe storms, flooding, landslides or mudslides, but many survivors also lost valuable personal documents. The documents include everything from Social Security cards to driver licenses to credit cards. The following is a partial list of ways to get duplicates of destroyed or missing documents:
  • A 24 minute video from Wright Flood on the Biggert Waters Act.
  • 2012’s Superstorm Sandy left behind a pool of befuddled homeowners who learned why damage caused by water backing up into their basements wasn’t covered by their homeowners policy. To help explain how insurance companies might respond following the next hurricane, flash flood or something far less dramatic, IIABNY has produced a colorful, one-page fact sheet that members can download, print and share with their clients.
  • Change is coming to the NFIP Flood Insurance Manual as a result of two recent acts passed by Congress. This four-part video series will highlight Manual changes that are effective April 1, 2015. Many of these changes result from the implementation of the Homeowner Flood Insurance Affordability Act (HFIAA) passed by Congress and signed into law in 2014 and the continued implementation of Biggert-Waters 2012 legislation (BW-12).
  • Memo explaining the Federal Emergency Management Agency's role in reviewing flood insurance claims resulting from Superstorm Sandy.
Flood Help Desk

IIABNY members can write their own residential and commerical flood insurance with Selective Insurance Co.

Learn How »


 Our Advocacy Efforts


 Related Articles

  • 03/14/14 - Though we’re still in the grips of an especially harsh winter, flooding this upcoming spring should be the subject of a conversation now between insureds and their agents and brokers.
  • Homes and the personal property within them are the frequent victims of sewer backup that originates on or off the residence premises. The question is, to what extent, if any, are these losses covered or excluded by the ISO HO program and its various coverage forms and endorsements? These questions are answered in this definitive article from VU faculty member, David Surles, CPCU, RPLU, AAI.
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Tim Dodge, AU, ARM, CPCU
Timothy DodgeAssistant Vice President of Research
P: 800-962-7950
F: 315-432-0510