National Flood Insurance Program

The National Flood Insurance Program (NFIP) was created by Congress to provide property owners with a way to financially protect themselves from flood losses, since standard homeowners insurance does not cover flood events. The Program offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP. Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding.


In South Carolina, the Department of Natural Resources administers the NFIP. To learn more about their program visit,


On July 6, 2012, the Biggert-Waters Flood Insurance Reform Act of 2012 (BW-12) was signed into law. It extends the National Flood Insurance Program (NFIP) through September 30, 2017; clarifies that multifamily structures consist of 5 or more units to be eligible for flood insurance under the NFIP; and alters the way premium rates are calculated.


Latest Information on BW-12:

SCEMD Fact Sheet

FEMA Fact Sheet - Impact of Changes to NFIP

FEMA Fact Sheet - NFIP Policyholders Impacted by BW-12



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