H.R.3370, the Homeowner Flood Insurance Affordability Act of 2014, was signed by the President on March 21.

These changes will not go into effect until the carriers who implement the program receive direction from FEMA (Federal Emergency Management Administration). FEMA will establish new rules and procedures, and this will take some time.

Until this legislation is fully implemented by FEMA, there will be no changes to current premiums and processes for flood insurance.

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