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Flood Disaster Protection

The National Flood Insurance Act, several reforms, and a host of regulations guide administration of the National Flood Insurance Program. This legislation applies to property located in special flood hazard areas. It

  • Provides federally subsidized flood insurance coverage and
  • Prohibits lenders from making or changing loans on property not covered by flood insurance.

Learn more. Read OCC's Answers about Flood Insurance.


Related News and Issuances

DateIDTitle
10/01/2025 NR 2025-93 Agencies Issue Reminder to Institutions on Lending When the National Flood Insurance Program Is Unavailable
07/14/2025 OCC 2025-16 Fair Lending: Removing References to Disparate Impact
04/08/2025 OCC 2025-6 Community Reinvestment Act, Fair Housing Act, and Equal Credit Opportunity Act: OCC Contact Information for Certain Notices and Posters