Bonita Springs Flood Policy

Flood Insurance Reform Bonita Springs Fl

As usual, when there is some sort of threat to home ownership in Florida and Southwest Florida the Realtor organizations create mail and email movements to organize our leaders into action.  The following is a copy/pasted email from Senator Marco Rubio after the H.R. 3370 was signed into law.

Dear Chris,

I am writing to update you on the recent passage of legislation to reform the National Flood Insurance Program (NFIP) and resolve insurmountable rate increases stemming from the Biggert-Waters Flood Insurance Reform Act of 2012 (BW12; P.L. 112-141).

As you know, BW12 was enacted to ensure the solvency of the NFIP, but it became apparent that these changes would negatively impact Florida's families and real estate market. I appreciate you contacting my office to share your concerns and letting me know about the problems this law was creating in Florida.

From the beginning of the debate on flood insurance reforms, I supported solutions that would provide a manageable program for policy holders to count on as well as pave the way for sustainability. That is why, on  +March 13, 2014, I supported the Homeowner Flood Insurance Affordability Act of 2014 (H.R. 3370; P.L. 113-89), which repeals certain premium rate increases on homes purchased or uninsured after the enactment of BW12 and restores manageable rates on homes that have complied with historic flood mapping. Additionally, included in H.R. 3370 are provisions of an amendment I authored that would require the Federal Emergency Management Agency (FEMA) to disclose data that provides the basis for changes in flood premium rates, authorizes monthly premium installment payments, and ensures that mitigation activities undertaken by a policy holder will be considered when the agency determines risk premium rates.

Florida leads the nation in participation of the NFIP and these reforms were critical to the well-being of its property owners. I am pleased that H.R. 3370 was signed into law by the President on  +March 21, 2014. Please know I appreciate you bringing this issue to my attention, and I look forward to your continued input as H.R. 3370 is implemented. It is an honor and a privilege to serve the people of Florida in the United States Senate. For further information on the NFIP please visit

Marco Rubio
United States Senator

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