On March 21, 2014, President Obama signed the Homeowner Flood Insurance Affordability Act (HFIAA) of 2014 into law. This law repeals and modifies certain provisions of the Biggert-Waters Flood Insurance Reform Act (BW-12), which was enacted in 2012, 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.

The new law lowers the recent rate increases that were a result of the Biggert-Waters Flood Insurance Reform Act, and prevents some future rate increases and implements a surcharge on all policy holders. The Act also repeals certain rate increases that have already gone into effect and provide refunds to those policy holders.

While FEMA actively works to implement the new law, they encourage policy holders to maintain and keep their current flood insurance policies.

For more information on the HFIAA, please download the National Flood Insurance Program (NFIP) 2015 Flood Insurance Manual. Specific details on rate increase limits, exceptions, surcharges, refunds, grandfathering and other details are outlined in the manual.   The manual can by found by clicking here.

FEMA also provides a four-part training video series on the recent changes to the National Flood Insurance Program Manual. The videos can be viewed by visiting this link.

Maps can be viewed and purchased directly from FEMA from their Map Service Center.   It can be accessed from the link below.
FEMA Map Service Center
To view hard copies of the maps at the office of the Cambria County Planning Commission, contact Shanna Murphy at (814) 472-2106.