The National Flood Insurance Act of 1968 is a piece of legislation passed in the United States that led to the creation of the National Flood Insurance Program (NFIP).
The NFIP goals are two-fold:
• To provide flood insurance for structures and contents in communities that adopt and enforce an ordinance outlining minimal floodplain management standards.
• To identify areas of high and low flood hazard and establish flood insurance rates for structures inside each flood hazard area.
The act was motivated by a long history of property damage and loss of life due to flooding. The legislation was finally promulgated because of the recent flood loss sustained in Florida and Louisiana following the destruction caused by the Hurricane Betsy flood surge in 1965.
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