Biggert Waters Flood Insurance Reform Act of 2012 (BW-12)

On July 6, 2012, Congress enacted the National Flood Insurance Program (NFIP) Reform Act of 2012.  It is often referred to as Biggert-Waters or BW-12.  It requires changes to the NFIP to occur.  One is the elimination of existing flood insurance subsidies resulting in higher costs to most policy holders (some significantly).

Many community officials may be contacted by citizens seeking guidance and assistance in addressing the changes that will be affecting them.  To help officials to be proactive in being prepared to help their citizens, FEMA has provided a template letter that officials may consider sending to their citizens.  The template is available at:


On March 21, 2014, President Obama signed the Homeowner Flood Insurance Affordability Act (HFIAA) of 2014
into law.  FEMA has 18 months from this date to prepare a draft “affordability framework”, including proposed regulations under HFIAA.  This law repeals and modifies certain provisions of the Biggert-Waters Flood Insurance Reform Act and makes additional program changes to other aspects of the program not covered by that Act. Many provisions of the Biggert-Waters Flood Insurance Reform Act remain and are still being implemented.

FEMA Website for HFIAA information