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Latest updates
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Breaking: NFIP Legislative Activity
12 March 2019
Breaking: NFIP Legislative ActivityIn the past week, there has been a flurry of legislative activity related to the reform of the National Flood Insurance Program (NFIP).Four bills released: The House Financial Services Committee released four NFIP reform draft pieces of legislation. They focus around mapping, claims, affordability and mitigation. If you are a member, you can view the bills under our Legislative tab on our downloads page. Each file is labeled “2019 Reform”. The MCC will be analyzing the bills in the coming weeks to provide details and comments.Committee Hearing: The House Financial Services Committee has scheduled a hearing titled “Preparing for the Storm: Reauthorization of the National Flood Insurance Program.” The hearing will be on Wednesday, March 13 at 10:00 AM. Content will most likely be around the recently released legislation.Download the legislation
Know Flood News 2019 Quarter 1
29 January 2019
Massachusetts Coastal Coalition 2019 Quarter 1, Edition 2 About Us The mission of the MCC is to educate, advocate, and inform professionals and stakeholders regionally and nationally, on flood hazards. Contact Us info@knowflood.orgwww.knowflood.org MCC Introduces Flood Risk Services The Massachusetts Coastal Coalition’s Know Flood suite of services brings flood risk information to your fingertips. These services are designed to meet the needs of realtors, lenders, policy holders and residential and commercial applications where flood information can affect everyday life. “Know Flood Mapping” ServiceKnowing your flood risk is now as easy as entering an address. The Know Flood Mapping Service has the entire nation’s digital flood maps online. Simply enter your address in the search bar, and the map pins your building’s location. This is available on our home page at www.knowflood.org “Know Flood Zone” DeterminationThe Know Flood Zone determination is a guaranteed product, which means we guarantee our accuracy to officially determine what flood zone you are in. This is the what lenders use to decide if you are “in or out” of the high risk flood zone. This is an ideal tool for real estate professionals looking to inform potential sellers and […]
Turbulent Year Ahead For Flood Insurance
25 January 2019
Before the start of 2018, many predicted political and economic uncertainty. This proved to be true of the National Flood Insurance Program and the flood insurance market. In total, 2018 brought three program lapses lasting over eight days with seven short term extensions and a series of Federal Emergency Management Agency leadership and administrative changes. Predictions for 2019 bring with it additional uncertainty. With a new Congress, the introduction of a new rating system, and lending regulatory changes, 2019 could extend 2018’s flood insurance-related ebbs and flows. When the new Congress started in 2017, House Financial Services leadership announced that flood insurance reform would be a priority. At that time, the flood program was set to expire on September 30 of that year. Early on, several controversial reform bills were introduced that stalled in Congress. After the 2017 hurricane season hit, Congress changed focus, leading to short term extensions of the flood program. In 2018, the short term extensions became more volatile leading to program lapses and week-long extensions. In 2019, there may be more short-term extensions, but there is also hope for true reform. Late last year, Congress voted on a standalone bill to extend the flood program to […]
Sue’s Flood Real Estate Tips: Time to review your flood policy
17 January 2019
As we enter 2019, its time to review your annual flood insurance policy. Review the policy coverage with your current insurer and question the deductible amount. Then it’s time to get a second opinion! I recently listed a home in an AE flood zone. The homeowner was paying $3,600 for an annual policy with a $2,000 deductible. This premium was high compared to homes in the immediate area. The property owner had not filed a flood damage claim in over 40yrs. After speaking with the insurer it was determined the property qualified for a deductible increase to the maximum amount of $10,000* (the maximum allowed for a 1-4 family building). This change reduced the annual flood policy to $2,200. Then the homeowner got a second opinion from an agency with flood insurance expertise; Murphy Carty Insurance. The original insurer was incorrectly designating the crawlspace as a basement, this significantly increased the annual cost of the policy. For the exact same FEMA coverage, they wrote the annual policy for $1,800! We all tend to pay our annual policies without reviewing or questioning them. This scenario will not always be the outcome but it is well worth exploring. You can ask to review your flood policy at any time, you do not have to wait until renewal. *Please note the homeowner had a mortgage on the property. In order to increase the deductible amount, they needed to obtain […]
NFIP Extended- Now time for reform
22 December 2018
Just-In-Time: House Votes 315-48 to Extend NFIP to May 31, 2019 After a challenging week in Congress, the House passed S.3628 that extends the NFIP’s authority until May 31, 2019. President Trump signed the bill into law Friday night. The NFIP did not expire. The goal of extending the NFIP for a six-month period is to provide time for Congress to consider meaningful reforms to the program before authorizing it for a longer term. Many stakeholders have previously expressed concern of setting NFIP’s expiration on the eve of the first day of Hurricane Season and hopes are that the new Congress will make the flood program a priority in advance of this date. We hope that in the coming months, the MCC will be reaching out to get feedback on meaningful reform proposals for a better NFIP. You can review past bills by going to our Legislation tab on our Downloads page by clicking HERE
Extension No Longer Certain
21 December 2018
NFIP Now Headed Towards Lapse As of the writing of this message, Congress has not yet extended the National Flood Insurance Program, which expires at midnight on Friday, December 21st. The current political situation is complicated. Presently, the US Senate has proposed an extension to February 8th of Federal Government spending, which includes an extension of the NFIP. The bill was sent to the US House of Representatives where it was originally going to pass tonight. However, the President has now said he will not sign a bill without funding for immigration security. The House is now proposing different options. Without a quick compromise, the NFIP is set to lapse. This lapse will most likely last past Christmas. This is an active situation. This is not a new situation, as this will be the third short term extension in the month of December. As a reminder, the MCC has created consumer guidance for you as an insured to know what to do before, during and after a flood program expiration. Overall, our guidance outlines that: -If you have a flood policy renewing after December 7th, and within the next few weeks, either pay it now or ask for the renewal statement […]
Introducing Our Flood Risk Services
15 December 2018
MCC Introduces Suite of Flood Risk Services The Massachusetts Coastal Coalition’s Know Flood suite of services brings flood risk information to your fingertips. These services are designed to meet the needs of realtors, lenders, policy holders and residential and commercial applications where flood information can affect everyday life. “Know Flood Mapping” Service Knowing your flood risk is now as easy as entering an address. The Know Flood Mapping Service has the entire nation’s digital flood maps online. Simply enter your address in the search bar, and the map pins your building’s location. This is available on our home page at www.knowflood.org “Know Flood Zone” Determination The Know Flood Zone determination is a guaranteed product, which means we guarantee our accuracy to officially determine what flood zone you are in. This is the same tool lenders use to decide if you are “in or out” of the high risk flood zone. This is an ideal tool for real estate professionals looking to inform potential sellers and buyers. Along with our guaranteed determination comes our “Massive” report, which is one of the most comprehensive flood information reports available. It shows a map of your property, tells you the next closest flood zone, estimated ground […]
NFIP Extended For Two Weeks
7 December 2018
Yesterday, Congress passed a Continuing Resolution (H.J.Res.143) which extends funding for several federal agencies as well as the NFIP to December 21, 2018.
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