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Flood Insurance

The Business of FEMA/NFIP and Flood Insurance


Since the inception of the National Flood Insurance Program (NFIP) in 1968, PIA members continue to be actively engaged. The Federal Emergency Management Agency (FEMA) oversees the NFIP. This section provides PIA National leaders and members with the required, accurate, timely information and guidance on the technical details of NFIP changes. This includes changes in laws, regulations, rules, instructions, information and practices as it impacts and affects the way in which PIA agencies conduct their NFIP agency activities. You can learn more about PIA's stance on flood insurance laws and changes we'd like to see through our position paper.

*Please note: Information for specific disaster events, even if federally declared floods, are located on the Natural Disaster Issue Page.

NEWS – Current NFIP Bulletins/Instructions, PIA Newsline, etc


With so many reforms and changes taking place in the NFIP due to Biggert-Waters (BW12), the Homeowners Flood Insurance Affordability Act (HFIAA) and regular NFIP changes, it can be hard to stay on top of the most up-to-date information, organized by relevant subject areas. In this section, PIA summarizes—with notations—the  meaning of the changes and how they will affect an agency's practices from a members' perspective. This serves as an additional aid to the information that our members receive from their WYOs.

FloodSmart, FEMA/NFIP & PIA Information Resources


Learn more about the copious amount of information and resources available to PIA members on flood insurance. These resources cover topics, issues, research, marketing and presentations, which will help turn you into an expert on flood insurance among your community.


The PIA/Hartford WYO Flood Insurance Program


Top flight commissions are just the beginning. PIA and The Hartford have joined together to provide a dynamic WYO offering tailored to PIA members' flood insurance needs for their agency customers through The Hartford's premier WYO program. Since 2004, this program has been available to PIA members and their policyholders in all 50 states, the District of Columbia and Puerto Rico. For more information, please click here or contact Joseph M. Surowiecki, Jr. of the Hartford at 860-547-5006 or joseph.surowiecki@thehartford.com.

Floodbroker.com, a PIA Member Exclusive


Sell more flood insurance with a flood quoting web portal from Floodbroker.com. Your agency-branded web portal will contain Floodbroker's proprietary NFIP quoting engine and have a unique URL for your agency. Best of all, PIA member agencies can use this service with the PIA/Hartford WYO program or any other WYO arrangement the agency has in place. For more information about the program, please click here.

¿FEMA en Español? Si!


FEMA has launched a free Spanish-language app with information on what individuals can do before, during and after a disaster to keep their families and communities safe. FEMA's Spanish-language app offers a wide array of information for the public and disaster survivors, including preparedness tips, locations of nearby shelters, what to include in an emergency supply kit and a user-friendly interface for survivors who may need assistance from FEMA after a disaster.

FEMA Launches Spanish-language App (FEMA 8/18/14)
¿FEMA en español? Hay una aplicación para eso (FEMA blog en Español)
Nueva Herramienta Digital (Video en Español)

Flood Insurance Producers National Committee


The Flood Insurance Producers National Committee (FIPNC) is the active advisory committee to the federal government on the business matters and issues concerning the NFIP. For 2014 and 2015, PIA National President-elect Richie Clements is serving as the FIPNC chairman. Please share your questions, comments, experiences or suggestions with PIA National Senior Vice President Pat Borowski at patbo@pianet.org, and she will share it with the PIA NFIP Working Group.


PIA supports comprehensive reforms to the National Flood Insurance Program. PIA:

  • Opposes the addition of multiple peril (wind) coverage to the NFIP.
  • Supports multi-year authorization of NFIP by Congress, in this case five years, in order to operate a balanced, consistent program.
  • Supports the forgiveness of the NFIP’s debt.
  • Supports coordinated flood coverage for commercial policies in the area of business interruption insurance (BII). BII is currently only available in the private sector property market on a “covered peril” basis.