FEMA IGA Advisory: FEMA NFIP Unveils Customer Centric Transformation – Phase I

From: Catherine “Cat” Looper, FEMA Region IX, Tribal Liaison (

05/23/2016 06:31 AM EDT

TRIBAL LEADERS: FEMA Advisory seeking tribal partner comments on the Proposed Rulemaking change for the National Flood Insurance Program (NFIP).  Please see below advisory for additional information and web links to the Federal Register Notice.


U.S. Department of Homeland Security

Federal Emergency Management Agency

Intergovernmental Affairs Division

Telephone 202-646-3444

Intergovernmental Affairs Advisory


FEMA NFIP Unveils Customer Centric Transformation

Phase I: Improving the Process, Removing Barriers & Seeking Your Comment

May 23, 2016


The Federal Emergency Management Agency (FEMA) is committed to improving the Nation’s preparedness and resilience against flooding.  As a result of the work accomplished by the National Flood Insurance Program (NFIP) Transformation Task Force, FEMA is taking unprecedented actions to add oversight, improve processes and remove to create a program that is effective, transparent and accountable for policyholders.


FEMA’s NFIP Transformation focused on reform, litigation settlement and claims review.  FEMA is moving now to remove barriers to improve the overall customer experience delivery of the program.  Today, FEMA published a Notice of Proposed Rulemaking to amend its regulations with a few administrative adjustments to the National Flood Insurance Program (NFIP) and Changes to the National Flood Insurance Program (NFIP …  Write Your Own (WYO) Program to make the NFIP more agile and responsive to meet policyholder needs.


FEMA works closely with the insurance industry to facilitate the sale and servicing of flood insurance policies.  An NFIP flood insurance policy, also known as the Standard Flood Insurance Policy (SFIP), is available to be purchased either: (1) directly from the Federal Government through a direct servicing agent, or (2) from a participating WYO insurance company through the WYO Program.


Under the WYO Program, FEMA enters into a Financial Assistance/Subsidy Arrangement (Arrangement) with private sector property insurance companies, also known as WYO companies, to sell NFIP flood insurance policies under their own names and adjust and pay claims arising under the SFIP.  A copy of the standard Arrangement is currently in the NFIP regulations.


Through this rulemaking, FEMA proposes to remove the (1) copy of WYO Financial Assistance/Subsidy Arrangement in Title 44 of the Code of Federal Regulations (CFR) Part 62, Appendix A, and the (2) summary of the WYO Program Financial Control Plan in 44 CFR Part 62, Appendix B.  FEMA will continue to post these documents on so they are available to the public.


This rulemaking does not propose any substantive changes to the relationship between FEMA and WYO companies. FEMA will continue to enter into the Arrangement with WYO Companies.  Consistent with the terms of the current Arrangement, FEMA will continue to notify private insurance companies and make available to companies the terms for subscription or re-subscription of the Arrangement through a notice in the Federal Register. 


This rulemaking proposes procedural adjustments designed to allow FEMA and WYO companies to implement innovative program changes designed to incorporate industry best practices and adopt the use of new technologies as the need arises to best service the needs of the policyholders.


FEMA is seeking input from all stakeholders regarding the Notice of Proposed Rulemaking to Remove the Financial Assistance/Subsidy Arrangement with Write Your Own (WYO) Companies from the NFIP Regulations.” Written comments may be submitted during the 60-day comment period which began onMay 23, 2016, and end on July 22, 2016.


Comments may be submitted by one of the following methods:

  • Federal eRulemaking Portal: Regulations.govSearch for the notice in Docket ID FEMA-2016-0012, or
  • Mail/Hand Delivery/Courier:  Regulatory Affairs Division, Office of Chief Counsel, Federal Emergency Management Agency, 8NE, 500 C Street, SW, Washington, DC  20472-3100.

Viewing comments and documents:  For access to the docket to read background documents or attachment included: Notice of Proposal Rulemaking.


If you have any questions, please contact FEMA’s Intergovernmental Affairs (IGA) Division at (202) 646-3444 or

Follow FEMA online at  Also, follow Administrator Craig Fugate’s activities The social media links provided are for reference only.  FEMA does not endorse any non-government websites, companies or applications. 

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

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