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    CADO Flood\NFIP Support Page


    This page provides information and resources related to the handling of flood claims.

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    Some information found on this page

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    On the National Flood Insurance Program (NFIP) Claims Manual
    On Renewing/Obtaining Flood Control Number
    NFIP Fee Schedule

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    Significant Flood Events include ...

    ——Source: NFIP

    Hurricane Katrina (2005) with 208,348 Paid Losses
    Hurricane Sandy (2012) with 114,846 Paid Losses
    Hurricane Harvey (2017) with 92,385 Paid Losses

Flood Damage

National Flood Insurance Program (NFIP) Claims Manual

Click here for Appendices for the NFIP Claims Manual

Links to the current edition and previous editions of the NFIP Claims Manual. (PDFs)

Current Claims Manual Effective 6/29/2023

Effective October 1, 2021
Table of Changes to the 10-2021 Manual
Effective May 1 2020
Effective June 1, 2019
Effective August 30, 2018
Effective September 2, 2013
The "read more" link will take you to the source the manuals, please check the Claims Manual section on that page,

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Colorado Flooding

Renewing/Obtaining Flood Control Number

Adjusters seeking to maintain their active registered status must attend an NFIP Claims Presentation each calendar year. Use the read more link for information about the qualification process or to contact the Bureau & Statistical Agent. Source: NFIP .

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NFIP Fee Schedule

 9/29/2023 Update: FEMA has revised its NFIP Adjuster Fee Schedule. The revised NFIP Adjuster Fee Schedule will be effective on October 1, 2023, and is applicable to claims with dates of loss on or after October 1, 2023. The 2022 Increased Cost of Compliance (ICC) Fee Schedule was not revised. You can follow this link for the source of this update which is the WYO Company Bulletin W-23013

NFIP Adjuster Claims Presentation Schedule

«June 2024»

New Guidelines for NFIP Adjusters

CADO Admin
/ Categories: FEMA, NFIP
New Guidelines for NFIP Adjusters

FEMA Bulletin w-16005 – Authorized NFIP Adjusters and 2016 NFIP Claim Presentations

The information below comes from the FEMA bulletin

Nothing is better than a good first impression and this begins with adjusters who present themselves in a business-like manner, well trained, authorized to handle their claim, and eager to assist the policyholder in preparing their claim. This approach may require a few additional minutes with the policyholder(s) explaining the Program and the claims process. This additional time and continuing attention to the policyholder are the adjuster’s investment in a successful experience not only for the policyholder, but also for the adjuster.

To make this a reality, the authorized National Flood Insurance Program (NFIP) flood adjusters, in addition to having the required adjusting experience, must have a desire to provide excellent customer service to NFIP policyholders; a working knowledge of the NFIP; a technical knowledge of the three forms of the Standard Flood Insurance Policy (SFIP); and the ability to apply any FEMA bulletins and guidance that clarify and introduce new processes.

A note about the use of the term “Authorized NFIP Adjuster” rather than “Certified NFIP Adjuster”: It is FEMA’s position that certification requires a more formal course of study and the successful passing of a series of examinations before certification is awarded, such is the case with Certified Public Accounts. Also, the FCN will now be referred to as the Flood Control Number.

In its October 5, 2015, Bulletin w-15047, FEMA announced that FEMA-sponsored, instructor-led training is being phased out–15 such presentations in 2016 and 8 in 2017. However, there is an ever increasing number of claims-specific online adjuster courses being offered through FEMA’s Emergency Management Institute (EMI). This online training would be in addition to any adjuster NFIP training offered by the Write Your Own Companies, and/or authorized adjusting firms. 

Bulletin w-15047 includes URLs for the courses. FEMA will continue to approve all Program technical content.


To support the quality and number of adjusters available and to encourage them to be ready, willing and able to assist NFIP policyholders with their flood claims, FEMA will allow 2016 authorization to those adjusters who have been on the active adjuster list for at least the last two consecutive years – 2014 and 2015 – and who have successfully completed the following four on-line courses:

EMI will issue the adjuster a certificate of successful completion. The adjuster will provide the NFIP Bureau and Statistical Agent, (BSA) the EMI certificates of successful completion of the required courses. Once the BSA reviews this submission and approves it, a record of such approval will be sent to FEMA and a 2016 Flood Control Number (FCN) card will be issued. Please forward your documents to the address below:

NFIP Bureau and Statistical Agent
8400 Corporate Drive
Hyattsville, MD 20785

Adjusters who do not meet the current level of adjusting experience or other requirements cannot be approved to handle flood claims by simply attending an approved NFIP Claims presentation or by taking the online claim courses. These accomplishments are only a part of the authorization requirements. The NFIP expects all NFIP flood adjusters to have: 1.) At least 4 recent consecutive years of Residential and some commercial adjusting and damage estimating experience; 2.) A working knowledge of the three forms of the Standard Flood Insurance Policy (SFIP); 3.) Be familiar with the NFIP Adjuster’s Claims Manual; and, 4.) Understand the NFIP claims bulletins and/or Fact Sheets, all of which are essential to the success of an authorized NFIP adjuster. 


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FEMA Press Releases

Here are some recent Releases

Here is a link to the FEMA Press Releases official website. The source of the releases above.

Need Flood Adjusters

Need Flood Adjusters? Click here to see those that report they are NFIP Certified  Adjusters please check and update your information if needed.

WYO Company Bulletins

Source: The National Flood Insurance Program | FloodSmart | NFIPServices

Follow these links to see all WYO Bulletins and to check on new Bulletins:  2023 Bulletins | 2022 Bulletins | 2021 Bulletins

Flood Losses

Below is a link to a FEMA page that provides reports that can be downloaded which provides flood insurance losses per state.The table on that page includes open claims, closed claims, and claims closed without payment.

Below is another link that takes you to a page on the  Insurance Information Institute, Inc. website that provides Flood Statistics.

Flood Adjuster Capacity Program Manual

This manual has publish date of July 2019, here is a summary from the manual.

"FEMA is dedicated to increasing the nation’s disaster resiliency. To this end, FEMA’s NFIP is working hard to increase the number of households and businesses that are protected by flood insurance. As the flood insurance policy count grows, FEMA will need to maintain a high level of customer satisfaction throughout the claims process. To make this possible, FEMA has initiated the Flood Adjuster Capacity Program (FACP) and is partnering with WYO Companies, independent adjusting firms, and individual adjusters to increase the number of claims adjusters who are trained and available to help NFIP policyholders after flood events. The FACP will work to strengthen and enhance recruitment, training and professional development for claims adjusters nationwide."

Here is a link to the manual

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Additional Resources

NFIP Training Available Online

The NFIP offers free online courses in basic and advanced flood insurance topics through the FEMA Emergency Management Institute. NFIP...

NFIP Dwelling Form

CADO Admin
Subject: Policy: NFIP Dwelling Form Description: Quote from FEMA; The Dwelling Policy Form may be issued to homeowners,...

Flood Discussions

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