Protecting People, Property and Our Way of Life

National Flood Insurance Program

The NLLD has worked diligently with parish, state and federal leaders to reverse the catastrophic flood insurance rate increases proposed by FEMA under the National Flood Insurance Program, and push for flood maps that accurately credit the flood protection measures implemented in our region.  Updates on these issues are posted here to keep our District residents informed about this critical issue.


Overview on the Homeowner Flood Insurance Affordability Act of 2014


FAQs about the Homeowner Flood Insurance Affordability Act


NLLD Presentation on National Flood Insurance Program – January 2014


NLLD National Flood Insurance Fact Sheet Jan 2014


NFIP Changes Pose Biggest Threat to Coastal Regions – an Op/Ed by NLLD Executive Director Dwayne Bourgeois


NFIP Challenges and Solutions – A presentation by Greater New Orleans, Inc.


Good signs on flood insurance

February 1, 2014                 

Coastal residents here — along with people in flood-prone areas across the U.S. — have been watching with great interest as the U.S. Senate has toyed with the idea of delaying some major changes to the National Flood Insurance Program.

We are still watching Congress to see whether the nation will undo the potential damage it has put in motion. But there were two huge, encouraging signs this week that progress could be coming.  Read more.


Senators make final push for vote on flood insurance bill

January 8, 2014 

WASHINGTON — A bipartisan group of senators made another push Tuesday for a vote on legislation to delay hikes in federal flood insurance premiums, saying the number of property owners facing skyrocketing increases grows each day.

“There isn’t a state in the country that isn’t going to be affected,” Sen. Robert Menendez, D-N.J., said at a news conference. “This is not a coastal issue. Every state suffers from floods.”  Read more


Senators plan legislation to block flood insurance increases for 4 years                                                              October 25, 2013
WASHINGTON — A bipartisan group of senators on Friday unveiled new legislation that would delay most flood insurance premium increases resulting from the 2012 Biggert-Waters law for four years. They expect to introduce the bill next week.   The bill was developed by a geographically diverse coalition of eight senators representing states affected by the law, which was adopted by Congress in 2012 to make the flood insurance program more fiscally sound. Supporters of the delaying legislation want to stop the insurance rate increases, which in some cases are 100 percent or 200 percent — or even 1,000 percent.  Read more here.


Louisiana seeks to build national coalition against sky-high flood insurance
October 23, 2013
With efforts to delay extreme hikes to flood insurance premiums stalled in the U.S. Congress, Louisiana state legislators have started to look at what they can do to address the sky-high rates residents are facing for flood insurance renewal.

During a hearing held in Baton Rouge on Wednesday, lawmakers heard how recentchanges to the National Flood Insurance Program under the Biggert-Waters Flood Insurance Reform Act will have a devastating effect on Louisiana. Next to Texas and Florida, Louisiana has the largest number of national flood insurance policy holders in the country. Read more here


Flood Insurance: Whose premiums might go up, and when
October 25, 2013
No one really knows how many of Louisiana’s approximately 480,000 national flood insurance policy holders will see their annual payments climb if the U.S. Congress doesn’t find a fix for the Biggert-Waters Act, passed in 2012. Not even FEMA knows, according to several experts and elected officials familiar with the issue.

Thousands of people could already be seeing an effect, because the first part of the act came online Oct. 1, but many more could see their premiums skyrocket next fall, when another provision of the bill is scheduled to take affect.  Read more here


In flood insurance rate fight, banding with other states could help: Editorial
October 25, 2013
Frustrated by a lack of action in Congress, Louisiana lawmakers are looking to build a coalition with other states to push for a reprieve from excessive flood insurance premium increases. They should find plenty of kindred spirits. The drastic changes in the Biggert-Waters Flood Insurance Reform Act will be felt in hundreds of communities along our nation’s coast and inland waterways.

At a hearing Wednesday in Baton Rouge, lawmakers got a briefing on the ramifications of the act and searched for ways to get more support in Congress for delaying the increases.  Read more here