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New Web-Based FREE Application - Get Started Today! F2M

Welcome to FREE Underwriting Corner!

Introducing FREE (Flood Rating Engine Environment), the NFIP Quoting, Rating and Underwriting Submission application! This is a Web-based underwriting tool that enables WYO companies generate quotes and submit SFR packets. FREE is a FEMA-owned application developed under the NextGen Project.
Underwriting Manuals & FREE Materials
Flood Insurance Manual
  • Effective May 1, 2008 (link)
  • Effective October 1, 2007 (link)
  • Effective May 1, 2007 (link)
  • Effective October 1, 2006 (link)
  • Effective May 1, 2006 (link)
  • Effective October 1, 2005 (link)
  • Effective May 1, 2005 (link)

  • Policy Issuances, Endorsements and Bulletins
    Policy Issuances - 2006
  • 1, Re-Rating of Substantially Damaged Buildings (PDF 42KB, TXT 5KB) October 24, 2006

    Policy Issuances - 2005
  • 2, U.S. District Court Order Regarding the Sale of National Flood Insurance Program (NFIP) Insurance in Monroe County, Florida (PDF 39.7KB, TXT 2.64KB) October 4, 2005
  • 1, Implementation of ยง209 of the Flood Insurance Reform Act (FIRA) (PDF 98.6KB, TXT 2.36KB) May 19, 2005

    Underwriting Bulletins - 2004
  • Effective 10/1/04 - Conversion of a Standard Rated Policy to a Preferred Risk Policy Due to a Map Revision or LOMA/LOMR (PDF 101KB, TXT 5 KB) August 10, 2004

    Archived Policy Issuances, Endorsements and Bulletins (link)

    Other Documentation
  • Mandatory Purchase of Flood Insurance Guidelines (link)
  • Guide for Write Your Own Counsel (PDF 113KB)
  • Saving on Flood Insurance: Information about the NFIP's Grandfathering Rule (link)
  • Flood Insurance Library (link)
  • NFIP Publications (link)


    FREE Materials
    FREE QuickStart
  • FREE FAQs - Under FEMA Review

    Business-Driven Technologies.
    Last Modified: Friday, 16 January 2009

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