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Biggert-Waters Act 2012

Homeowners Flood Insurance Affordability Act of 2014

The Homeowners Flood Insurance Affordability Act of 2014 or Grimm-Waters Act was passed by Congress and signed by the President in 2014 that reformed parts of the Biggert-Waters Act of 2012. The law repealed some provisions and added other provisions 

The following links explain the Homeowners Flood Insurance Affordability Act (HFIAA) of 2014 in more detail.

What you need to Know - Quick Reference


HFIAA Overview

HFIAA Impact Sheet for Homeowners

HFIAA Impact Sheet for Businesses

HFIAA Flood Insurance Premium Refunds

Find more information about the Biggert Waters Insurance Reform Act under the General Information below.

Recent News

Flood insurance rates and other charges will be revised for new or existing policies beginning on April 1, 2015. In addition to insurance rates, other changes resulting from Biggert-Waters and HFIAA will be implemented that will affect the total amount a policyholder pays for a flood insurance policy.

April 1, 2015 Program Effects

General Information

Biggert Waters Insurance Reform Act of 2012:

BW12 Overview
BW12 Impact Sheet
BW12 Sponsored Video

Tampa Bay Beaches Chamber of Commerce Insurance Information:


U.S. Representative David Jolly
727-823-8900 or 202-225-5961
Email Submissions via

U.S. Representative Kathy Castor
813-871-2817 or 202-225-3376
Email Submissions via

U.S. Senator Bill Nelson
813-225-7040 or 202-224-5274
Email Submissions via

U.S. Senator Marco Rubio
813-287-5035 or 202-224-3041
Email Submissions via

Information Meeting Schedule

Please stay tuned to this site for a Media Announcement in February 2015 for more information concerning the Homeowners Flood Insurance Affordability Act!

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