Flood Insurance

Congress must periodically renew the National Flood Insurance Program’s statutory authority to operate. On July 31, 2018, the President signed legislation passed by Congress that extends the National Flood Insurance Program’s (NFIP’s) authorization to November 30, 2018. Congress must now reauthorize the NFIP by no later than 11:59 pm on November 30, 2018.


November 29, 2018 - The House and Senate passed a one-week extension of the National Flood Insurance Program, until December 7. This extension ties the next expiration to the government funding deadline, the day by which Congress must pass a continuing resolution in order to continue funding the government and avoid a shutdown.

Follow the progress of the bill: Congress.gov S. 3628 NFIP Extension Act

Being a coastal community almost entirely surrounded by water, many homes and businesses are required to carry a flood insurance policy. The City of Seabrook stays up-to-date on current flood maps and legislation which can impact flood insurance rates. If you have any questions regarded flood insurance please do not hesitate to give us a call at (281) 291-5638.


Basic homeowner’s insurance policies do not cover damage from floods. The City of Seabrook participates in the National Flood Insurance Program, which means that federally subsidized flood insurance is available to everyone in the city. The purchase of flood insurance is highly recommended. Remember there is a 30-day waiting period before the policy becomes effective. Some people have purchased flood insurance because it was required by the bank or loan company when they obtained a mortgage or home improvement loan. Usually, these policies just cover the building’s structure and not the contents. There are flood policies available to cover contents as well as for renters. Remember that a flood insurance policy must be renewed every year.


The City of Seabrook also participates in the Community Rating System, a voluntary federal program that rewards communities that implement higher standards by providing discounts on flood insurance policies. Seabrook’s efforts enable property owners who reside in Special Flood Hazard Areas (SFHA) to receive a 15 percent reduction in flood insurance premiums and policyholders located outside the SFHA a 5 percent discount. The reduction in flood insurance premiums represents annual savings in premium costs for policyholders and will take effect at the time a new policy is written or an effective policy is renewed. Those individuals and business owners with a Preferred Risk Policies, applicable in Zones B, C, X, on Seabrook’s NFIP Flood Insurance Rate Map (FIRM) are not eligible for the CRS discount. The rates for these zones already reflect significant premium reductions. For more information about flood insurance, you can contact the National Flood Insurance Program at www.floodsmart.gov, the Seabrook Building Department at 281-291-5638, or by calling your insurance agent. The following FEMA publications may also provide more information:

FEMA Resources

The Biggert-Waters Flood Insurance Reform Act of 2012

The Biggert-Waters Flood Insurance Reform Act of 2012 (Biggert Waters) authorized and funded the national mapping program and certain rate increases to ensure the fiscal soundness of the program by transitioning the program from subsidized rates, also known as artificially low rates, to offer full actuarial rates reflective of risk

The Consolidated Appropriations Act of 2014

The Consolidated Appropriations Act of 2014 prohibited the implementation of certain sections of the previous law – Biggert-Waters, effectively stopping certain rate increases while new law was being developed to address raise rate concerns.

Homeowner Flood Insurance Affordability Act of 2014

The Homeowner Flood Insurance Affordability Act of 2014 (HFIAA) repealed certain parts of previous law – Biggert-Waters, restoring grandfathering, putting limits on certain rate increases and updating the approach to ensuring the fiscal soundness of the fund by applying an annual surcharge to all policyholders.