The Homeowner Flood Insurance Affordability Act (HFIAA) is a law pertaining to homeowner flood insurance.

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A number of laws have been passed to strengthen the National Flood Insurance Program (NFIP), ensure its fiscal soundness and inform its mapping and rate-setting through expert consultation, reports and studies.

Flood insurance is required on loans secured by properties located in high-risk flood areas.

The National Flood Insurance Reform Act of 1994 strengthened the NFIP with a number of reforms that included increasing the focus on lender compliance, creating mitigation insurance and developing a mitigation assistance program to further reduce the costly and devastating impacts of flood.