Policy Brief: Keeping the National Flood Insurance Program (NFIP) Afloat: Updating Maps, Premiums, and Minimum Standards

Flooding is the most common – and expensive – natural disaster in the United States. The National Flood Insurance Program (NFIP) is key to helping communities manage the costs of severe flooding by providing options for flood insurance. However, climate change has drastically increased the nation’s flood risk, driving the NFIP into significant debt and creating situations where communities are under-insured or paying disproportionate amounts for flood insurance. In response, FEMA issued a Request for Information seeking feedback on revisions to the NFIP. This policy brief and response to the request for information explore the ways FEMA could revise the NFIP to remain financially viable while reducing potential inequities that could affect disadvantaged communities.

December 2021 Public Comment on NFIP