Flood Insurance Program Suspension: Alabama, Arkansas, and Texas

The National Flood Insurance Program (NFIP) has suspended specific municipalities of Alabama, Arkansas, and Texas from participating in the NFIP due to non-compliance with floodplain management requirements of the program.  The suspension was effective March 21, 2019.

Properties located in the municipalities identified below will not be able to obtain flood insurance from the NFIP therefore private flood insurance must be obtained if flood insurance is required for the subject property.  The suspension only applies to the specific municipalities identified in the table below.

Specific eligibility requirements apply by program:

  • Fannie Mae, Freddie Mac, VA, USDA: Private flood insurance is acceptable for properties located in one of the areas identified below.
  • FHA: Private flood insurance is not accepted by FHA; if the subject property is located in one of the municipalities below and flood insurance is required, the loan is ineligible for FHA financing.
  • Non-QM and Jumbo: The use of private flood insurance is subject to HomeBridge management review and approval.

If you have any questions, please contact your Account Executive