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Discontinuance of Paper Maps
Discontinuance of Paper Flood Insurance Rate Maps
Effective October 1, 2009 FEMA will discontinue the distribution of paper maps. The paper maps will be replaced with Digital Flood Insurance Rate Maps (DFIRMs). Replacing the paper map products with digital versions is more environmentally friendly and will improve the usability of FEMA?s flood hazard data. It also provides users with a more powerful tool for insurance activities and flood risk management.

Why are all of these changes being made?
The NFIP has implemented these changes in order to prepare for future flooding events and to lessen the burden on taxpayers of paying for future flood damage. To ensure the viability of the program it is necessary to have premium levels that correspond to the risk that is being assumed. Most insurance carriers impose annual rate increases on products such as auto insurance, homeowners insurance, etc. and some insurance carriers may refuse coverage to certain high risk prospects, in order to continue to thrive. However, unlike other forms of insurance, the NFIP, whose policies are sold through various insurance companies and agents, will not refuse to offer coverage as a result of multiple claims or any large sustained loss. The NFIP continues to provide reasonable rates to people who purchase flood insurance to protect their homes and businesses against the Nation?s number one natural disaster.

For more information about the NFIP, please visit the Federal Emergency Management Agency website.