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Congress passed the National Flood Insurance Act (NFIA), 42 U.S.C. 4001 in 1968, creating the National Flood Insurance Program (NFIP) in order to reduce future flood losses through flood hazard identification, manage floodplain, and provide insurance protection. The Department of Housing and Urban Development (HUD) originally administered the NFIP, and Congress subsequently transferred the NFIP to FEMA upon its creation in 1979. FEMA and insurance companies participating in FEMA's Write Your Own (WYO) program offer NFIP insurance coverage for building structures as well as for contents and personal property with the building structures to eligible and insurable properties. The WYO program began in 1983 with NFIP operating under Part B of the NFIA and allows FEMA to authorize private insurance companies to issue the Standard Flood Insurance Policy (SFIP) as FEMA's fiduciary and fiscal agent. FEMA administers NFIP by ensuring insurance applications are processed properly; determining correct premiums; renewing, reforming, and cancelling insurance policies; transferring policies from the seller of the property to the purchaser of the property in certain circumstances; and processing insurance claims.<\/SPAN><\/P><\/DIV><\/DIV><\/DIV>", "geometryType": "esriGeometryPoint", "sourceSpatialReference": { "wkid": 4326, "latestWkid": 4326, "xyTolerance": 8.983152841195215E-9, "zTolerance": 0.001, "mTolerance": 0.001, "falseX": -400, "falseY": -400, "xyUnits": 9.999999999999999E8, "falseZ": -100000, "zUnits": 10000, "falseM": -100000, "mUnits": 10000 }, "copyrightText": "This data set is derived from the NFIP system of record, staged in the NFIP reporting platform and redacted to protect policy holder personally identifiable information. 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