Mississippi-Alabama Sea Grant Legal Program

Flood Insurance

Recent changes to the National Flood Insurance Program (NFIP) resulting from the Biggert-Waters Act of 2012, the Homeowners Flood Insurance Affordability Act of 2014, and the updated 2013 Community Rating System (CRS) Manual have had significant impacts on coastal communities across the Gulf of Mexico. These new developments present challenges and opportunities for coastal communities along the Gulf coast.

The NFIP plays a critical role in the overall resilience of coastal communities by providing federally-backed flood insurance in exchange for communities adopting minimum floodplain management requirements. Through the CRS, participating communities receive flood insurance premium reductions for floodplain management activities that exceed the minimum requirements.

MASGLP provides research on changing laws and policies impacting flood insurance. Through the MASGC outreach team, MASGLP hosts workshops to share up-to-date information and resources with floodplain managers and community leaders.


Saving Money and Enhancing Resilience: Assisting Communities through the 2013 Community Rating System, EPA Gulf of Mexico Program (August 2014 – August 2016)


The Changing Landscape of the National Flood Insurance Program: A Federal Perspective (June 2014) (pdf)


Weathering Future Floods: Reducing Costs and Risks through the Community Rating System, Spanish Fort, AL (January 2014)

Hot Topics in Floodplain Management: Updates to the Community Rating System Manual and Biggert-Waters Act, Biloxi, MS (August 2013)

Mississippi-Alabama Sea Grant Legal Program