2025 NEWS:

There is a new direct-to-consumer website regarding flood insurance.   In this tool, a homeowner or business owner can populate all information regarding their home or business and immediately receive a quote for flood insurance. They will then be able to purchase the policy if they choose without any obligation to do so. This is phase one of this tool. In either late 2025 or early 2026, the tool will be updated to allow anyone desiring to purchase a policy to add in any number of mitigation steps to see in real-time what those mitigation projects could provide them in the way of a policy premium reduction.

Another significant change coming to the NFIP program is the ability to begin purchasing flood insurance while paying a monthly premium versus the current annual premium approach. This may help those currently unable to pay a full year's premium to afford flood insurance protection for their investment. Remember, following a flood event, flood insurance is the only way a structure’s owner can fully recover.

For further information on the National Flood Insurance Program check out their website at:  NFIP Quoting Tool

2017 NEWS:

The Biggert-Waters Flood Insurance Reform Act of 2012 was enacted and extended the National Flood Insurance Program for five years, while requiring significant program reform.  This act will have affected you if you currently have flood insurance or are being contacted by your bank or lending institution requesting you obtain flood insurance.  You, or any new buyers, may also be affected if you wish to sell your property and if it is located in a flood zone. Click on the links below for important questions and answers regarding the legislation requirements.