skip to main content
This is the start of the main content


Upcoming FEMA NFIP Program Changes

FEMA has announced multiple amendments to the National Flood Insurance Program (NFIP) that become effective April 1, 2019 and January 1, 2020.

Some notable topics addressed by the agency include:

  • Declarations page requirement related to clear communication of risk; and
  • Primary residence guidance

For policies effective on or after April 1, 2019, FEMA is requiring the following statement on the Policy Declarations page: “Refer to for more information about flood risk and policy rating.”

In addition, for the purposes of assessing the HFIAA Surcharge, FEMA’s occupancy guidance will soon permit a 2-4 Family building to be a primary residence. The policyholder must provide evidence that demonstrates that the building is a primary residence.

For complete details on all the upcoming changes, review NFIP Memorandum W-18021a here.

Proctor will continue to monitor this topic and provide updates as they develop.