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Biggert-Waters Act 2012

You may now find advice or assistance with flood insurance related questions by contacting the City's Program for Public Information's Insurance Advocate. 
            Jake Holehouse, CPCU

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 President Obama in 2014. Effectively, the most recent action reformed parts of the Biggert-Waters Act of 2012 by
repealing some provisions and adding some others. 

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

April 1, 2016 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
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U.S. Representative Kathy Castor
813-871-2817 or 202-225-3376
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U.S. Senator Bill Nelson
813-225-7040 or 202-224-5274
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U.S. Senator Marco Rubio
813-287-5035 or 202-224-3041
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City of St. Petersburg
P.O. Box 2842
St. Petersburg, FL 33731

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  • f: 727-892-5102
  • tty: 727-892-5259
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