Beginning April 1, 2016, the National Flood Insurance Program (NFIP) began implementing additional flood insurance program changes resulting from reform legislation sought by the National Association of REALTORS and other interested parties. These changes may significantly affect what your clients pay for their flood insurance. While some property owners may see minimal policy cost increases, others will experience larger premium increases, such as clients with buildings in high-risk areas built before that community’s first Flood Insurance Rate Map (pre-FIRM). An online toolkit can be found here. You can also find more details in the recent Program Changes NFIP Bulletin.