Features of Writing with the NFIP Direct 

1. Fast and simple enrollment process
2. Experts in the National Flood Insurance Program (NFIP)
3. Prompt and capable service
4. Convenient call center hours 8:00 a.m. - 8:00 p.m. Eastern time
5. English/Spanish Customer Service Associates available to assist you
6. Stay up-to-date on the latest regulations
7. Access the most current forms allowing you to be prepared in times of need

  Agency Information/Forms 

For other forms, go to our Forms Library by clicking the Forms Library link at the top of this page.

For information about where to submit forms, refer to our Contacts page by clicking the Contact Us link at the top of this page.

Frequently Asked Questions

How can my agency sign up to receive my commissions electronically?
An agency can choose to receive their commission payments either by check or direct deposit. See the Agent Documents section under the Forms Library tab for instructions on how to sign up the agency for direct deposit.

What is the commission rate?
Commissions are generally 15% of the first $2,000 of annualized premium, and 5% on the excess of $2,000. See the NFIP Flood Insurance Manual for more details.

How are commissions earned when there is an agency of record change on a policy?
Commissions are paid to the policy's current agency of record at the time of renewal. If an endorsement is made on the policy that changes the agency during the middle of the policy term, the new agency will receive any commissions after they have become the agency of record. Once the new agency has become the agency of record on the policy, they are also responsible for any commission that may be charged back against the agency due to premium refunds resulting from endorsements or cancellations.

How do I get signed up for Online Access (NFIPServices.com) - policy information, secure quotes, submit applications?

  • New Agents - You must first complete and send in the New Agency Enrollment Form.
  • Previously-enrolled Agents - Send a request to NFIPAgencyServices@nationalfloodservices.com. Include Agency name, Agency ID, address, phone and the name and e-mail address for the person you want designated as the Agency Administrator. The Administrator will be responsible for managing the access for additional users within the agency.

The Agency Enrollment Form asks for the name of an Agency Administrator for our agency, can you explain what this is?
The NFIP Direct has separate user types that determine the functionality available to the user:

  • An Agent User can see any policy within the agency, and can do quotes, applications, endorsements, etc.
  • An Agency Administrator can do all that the Agent User can, plus they have the ability to add additional Agent Users within the agency. They would also have the responsibility to remove any Agent Users who have left the agency and should no longer have access. The Agency Administrator also has access to some additional functionality that the Agent User does not. They can view the agent commissions, view production reports, modify the document delivery specifications, and perform other agency-specific activities.

When will 1099's be mailed?
We will begin to mail out 1099's during the last week of January. All 1099's will be mailed out by January 31st.

I didn't receive a 1099. Why?
1099's are required for unincorporated agents if their annual earnings were $600 or more. If you or your agency is incorporated or your earnings are less than $600, you will not receive a 1099.

Can 1099's be downloaded from the FloodConnect portal?
No. They will be mailed no later than January 31st.

Who should I contact if I do not receive my 1099 by February 15th?
You can call customer service at 1-800-638-6620 or email the Agency Service department directly at NFIPAgencyServices@nationalfloodservices.com.

Can you provide information about the NFIP Reserve Fund?
The purpose of the Reserve Fund Assessment that is added to the premium is to build reserves to help meet expected future obligations in higher than average loss year. The current rate for the Reserve Fund Assessment is 5% and the rate may vary from year to year. The fee is calculated prior to the ICC and Federal Policy Fee and does not impact agent's commission. Reserve fund fees will be assessed for new and renewal business on and after 10/1/2013. Mid-term endorsements will not be impacted for current policy terms that started prior to 10/1/2013, but mid-term endorsements for policy terms starting on/after 10/1/2013 will be impacted.

  Resource Links 

Summary of Coverage
Flood Insurance Manual
Agent Training Workshops
FEMA Flood Map Store
NFIP Forms
Information for Insurance Professionals
NFIP General Contact Information


National Flood Services © 2013 | Terms of Use | Privacy Statement
Requirements of the site include:

Adobe® Reader®, ver 7.0 or greater 

Microsoft® Internet Explorer®, ver 11 or earlier