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Federal Emergency Management Agency

Agency FilingEnvironmental JusticeRisk Management

Comments on the National Flood Insurance Program’s Community Rating System Redesign Effort

The Federal Emergency Management Agency (FEMA) issued a Request for Information regarding potential future changes to the Community Rating System (CRS) under the National Flood Insurance Program (NFIP). CRS is a voluntary incentive program offering NFIP premium discounts to eligible communities that exceed minimum NFIP floodplain management requirements. The program…
Marie Li
September 6, 2024
Adaptation as Risk ManagementAgency FilingEnvironmental JusticeRisk Management

Comments on the National Flood Insurance Program: Standard Flood Insurance Policy, Homeowner Flood Form

The Federal Emergency Management Program (FEMA) proposed a rule to revise the Standard Flood Insurance Policy (SFIP) under the National Flood Insurance Program. The proposed reforms take important steps to: 1) increase transparency and clarity for policyholders; 2) build resilience through investment in flood mitigation; 3) expand coverage options; and…
Marie Li
May 31, 2024
Agency FilingRisk Management

Comments to FEMA on Proposed Rule to Modify the Standard Flood Insurance Policy Under the National Flood Insurance Program

Organizations Involved: Policy Integrity Abstract The Federal Emergency Management Agency (FEMA) proposed a rule to modify the standard flood insurance policy under the National Flood Insurance Program by creating a new “Homeowner Flood Form,” which applies specifically to homeowners of single-family homes and owners of buildings with one-to-four units. The…
Erin Shortell
May 31, 2024
Environmental JusticeReportRisk Management

Breaking the Cycle of Flood-Rebuild-Repeat: Local and State Options to Improve Substantial Damage and Improvement Standards in the National Flood Insurance Program

This paper discusses the substantial improvement/damage (SI/SD) standard in the National Flood Insurance Program (NFIP) which requires property owners making significant improvements or repairs to structures in areas most vulnerable to flooding to take certain measures to mitigate their risk. It also surveys more rigorous SI/SD standards adopted by NFIP…
January 22, 2019
ReportRisk Management

Legal Tools for Climate Adaptation Advocacy: Flood Insurance

"The federal government has attempted to address flooding through an insurance program aimed at effectively providing relief to those whose property is damaged by flooding and at incentivizing sound risk management. However, the federal insurance program subsidizes flood insurance premiums, and, therefore, does not require property owners to internalize the…
July 1, 2015