ASFPM Policy Priorities

NFIP Reauthorization

What It Is

The National Flood Insurance Program (NFIP) was created in 1968 to provide flood insurance coverage to property owners in participating communities and to promote floodplain management practices aimed at reducing flood risk. Reauthorization ensures the continued operation of the NFIP and allows for potential updates and improvements to the program.

Why It Matters

NFIP reauthorization is critical for: 

  • Stability: Reauthorization provides certainty to property owners, insurers, lenders, and communities that rely on the NFIP for flood insurance coverage and floodplain management support.
  • Flood Risk Management: The NFIP plays a crucial role in promoting sound floodplain management practices, including floodplain mapping, land use regulations, and mitigation measures, which help reduce flood risk and minimize flood damage.
  • Economic Protection: NFIP coverage helps protect property owners from financial losses due to flooding, thereby promoting economic stability in flood-prone areas and reducing the burden on federal disaster assistance programs.
  • Climate Resilience: With the increasing frequency and severity of flood events attributed to climate change, NFIP reauthorization provides an opportunity to enhance the program’s resilience to future risks and address emerging challenges.

Our Position

ASFPM supports continuing and improving the NFIP to better serve the needs of communities and property owners, through advocating for reforms that enhance floodplain management practices, improve flood mapping accuracy, promote risk communication and public awareness, and ensure the affordability and accessibility of flood insurance coverage. Additionally, ASFPM supports measures to address the financial sustainability of the NFIP, such as updating risk-based pricing methodologies and increasing investment in pre-disaster mitigation efforts. Ultimately, our goal is to ensure that NFIP remains an effective tool for managing flood risk and protecting lives, property, and natural resources in flood-prone areas.

Key Resources on NFIP Reauthorization

Policy Priorities

NFIP Reauthorization
Flood Risk Management
Pre- and Post-Disaster
Social and Environmental Justice
Infrastructure Resiliency
Climate Change
Big Data
WRDA

All Policy Resources

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  • ASFPM Raises Concerns About SBA Post-Disaster Permitting Rule
    In effect, the rule creates a pathway for rebuilding to move forward without traditional local permitting processes once a 60-day threshold is reached.
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    The Association argues that the proposed rule could reduce federal—and in many cases state—Clean Water Act protections for 60 to 95 percent of existing mapped wetlands in the U.S.
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    The proposed rule would drastically narrow the definition of “Waters of the United States” (WOTUS) — the cornerstone for determining which wetlands and waterways receive Clean Water Act (CWA) protections.
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  • ASFPM Engages USACE on Nonstructural Flood Solutions
    ASFPM is requesting a meeting with the US Army Corps of Engineers to discuss obstacles to implementing nonstructural flood solutions and chart a path forward.
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  • ASFPM Submits Comments to FEMA Review Council
    We oppose any proposal to eliminate, divide, or weaken FEMA or its critical functions and programs.
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  • ASFPM Submits Recommendations to Strengthen FEMA
    ASFPM strongly urged the Review Council to keep FEMA but fix what’s broken.
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  • ASFPM Leads Coalition Urging Continued Support for FEMA Mitigation Programs
    ASFPM and 54 allied organizations sent a joint letter to President Donald Trump, urging continued investment in the FEMA’s critical hazard mitigation programs.
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  • ASFPM Legislative and Policy Plan for Calendar Year 2025
    The plan lays out a clear roadmap for engaging with the 119th Congress and federal agencies on critical flood risk management issues.
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  • FEMA Halts Rule That Protects Against Future Floods
    We already know what the cycle of flood-rebuild-repeat looks like. This means that billions of dollars in disaster aid will be wasted and people will be put in harm’s way.
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  • ASFPM Policy Recommendations for Post-Hurricane Recovery
    Following Helene and Milton, ASFPM urges Congress to strengthen disaster recovery and long-term flood resilience
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