National Flood Insurance Program
In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves in the event of flooding. Flood insurance is available to homeowners, renters, and business owners as long as their community participates in the NFIP. Participating communities agree to reduce their risk of future flooding by adopting and enforcing floodplain ordinances that meet or exceed the minimum NFIP requirements and in exchange, flood insurance is available to everyone in the community.
Wyoming has 19 of 23 counties participating and 64 of 99 municipalities participating in the NFIP.
Participation in the NFIP takes just a few easy steps.
Contact Kim Johnson at firstname.lastname@example.org if your community would like to participate.
In July 2012, a law was passed which calls on FEMA and other agencies to make a number of changes to the way the NFIP is managed. While some of the changes have already occurred, others will be implemented in the coming months and years. One of the key provisions is to bring flood insurance premiums up to actuarial risk rates. In the past, the NFIP provided subsidized flood insurance premiums for certain structures and this law calls for the removal of many of these subsidies to create future solvency of the program.
To find out more about the Biggert Waters Reform Act of 2012, visit the FEMA informational website - http://www.fema.gov/flood-insurance-reform-act-2012
The Federal Emergency Management Agency’s (FEMA) Map Service Center (MSC) is the official government distribution center for digital flood hazard mapping products. In order to help communities, the public, and other FEMA stakeholders manage and reduce flood risk, FEMA provides a suite of user-friendly tools that support the needs of the public in viewing, analyzing, and printing flood hazard maps.
National Flood Hazard Layer – https://hazards.fema.gov/femaportal/wps/portal/NFHLWMSkmzdownload
The National Flood Hazard Layer allows for the display of flood hazard zones and labels, including the Flood Insurance Rate Map and Letter of Map Revision boundaries, in Google Earth.
The FEMA 480 is a Desk Reference for Local Officials, and should be a “go-to” document for all local floodplain managers. It provides guidance on how to handle many of the questions that come up regarding local floodplain management.
Elevation Certificate - http://www.fema.gov/library/viewRecord.do?id=1383
The Elevation Certificate is a document that can be used to provide accurate elevations on properties. This document comes with instructions on how to properly fill it out, and who is qualified to fill out each section.
Letter of Map Amendment - http://www.fema.gov/library/viewRecord.do?id=2328
The Letter of Map Amendment (LOMA) - Floodsmart – www.floodsmart.gov
The Floodsmart website is the official website for the National Flood Insurance Program. It contains many tools and useful information about the program. Map Service Center – www.msc.fema.gov