On July 16, 2018 the Federal Emergency Management Agency (FEMA) proposed revisions to its flood regulations. FEMA proposes to amend parts 59, 61, and 62 of 44 CFR. These parts contain regulations implementing the NFIP. In addition, FEMA proposes to amend Appendices A(1) – A(3) of part 61, containing the three forms of the SFIP: The Dwelling Policy Form, the General Property Form, and the Residential Condominium Building Association Form.
FEMA proposes this rulemaking for three purposes.

  • First, it intends to make several non-substantive changes designed to improve the readability, uniformity, and clarity of the NFIP regulations.
  • Second, FEMA proposes to make several non-substantive updates to regulations to align with the requirements of Biggert-Waters Flood Insurance Reform Act (BW Act) and Homeowner Flood Insurance Affordability Act (HFIAA).
  • Third, FEMA proposes two substantive, albeit minimally so, changes to its regulations codifying the requirements of BW Act and HFIAA.

Please understand these are not the flood regulations issued by the prudential bank regulatory agencies that directly impact flood insurance compliance. The proposal impact FEMA regulations that indirectly impacts your flood compliance efforts.
A copy of the 60-page proposal is available at: