Title 42, The Public Health and WelfareRelease 119-110
§4013a Policy Disclosures
Title 42 › CHAPTER 50 — NATIONAL FLOOD INSURANCE › SUBCHAPTER I — THE NATIONAL FLOOD INSURANCE PROGRAM › § 4013a
Summary
Each National Flood Insurance Program policy must clearly list, in plain English, all rules, exclusions, and limits that affect coverage. That information must be in bold and printed at least twice as large as the policy’s normal text. If someone does not follow this rule, the program’s Administrator can fine them up to $50,000.
Full Legal Text
Title 42, §4013a
The Public Health and Welfare, Source: USLM XML via OLRC
(a)In general
Notwithstanding any other provision of law, in addition to any other disclosures that may be required, each policy under the National Flood Insurance Program shall state all conditions, exclusions, and other limitations pertaining to coverage under the subject policy, regardless of the underlying insurance product, in plain English, in boldface type, and in a font size that is twice the size of the text of the body of the policy.
(b)Violations
The Administrator may impose a civil penalty of not more than $50,000 on any person that fails to comply with subsection (a).
Legislative History
Notes & Related Subsidiaries
Editorial Notes
Codification Section was enacted as part of the Biggert-Waters Flood Insurance Reform Act of 2012, and also as part of the Moving Ahead for Progress in the 21st Century Act, also known as the MAP–21, and not as part of the National Flood Insurance Act of 1968 which comprises this chapter.
Statutory Notes and Related Subsidiaries
Definitions For definitions of terms used in this section, see section 4004 of this title.
Reference
Citations & Metadata
Citation
42 U.S.C. § 4013a
Title 42, The Public Health and Welfare
Last Updated
Sep 22, 2026
Release point: 119-110