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    Pennsylvania Insurance Department

    ​​​​​​​​​​​​​​​​​​​​​​​​​​​​​Flood Insurance Task Force

    ​​​​​​​​​​​​​​​​​​​​​​​​​​​​​Flood Insurance Task Force

    Act 22 of 2023, signed by Governor Josh Shapiro on November 1, 2023, establishes the Flood Insurance Premium Assistance Task Force to review and analyze existing statutes, procedures, practices, processes, and rules relating to the administration of flood insurance in Pennsylvania.  Act 22 outlines specific areas of focus for the task force's recommendations, including:

    • Potential programs that provide premium discounts; 
    • Potential programs that create incentives for local governments to undertake or continue flood mitigation efforts;
    • The implementation of necessary changes in statutes or practices relating to the administration of flood insurance; 
    • How to educate residents about the risk of flooding and ways to mitigate flood occurrences; 
    • Steps that should be taken to inform residents about options available when purchasing flood insurance; and 
    • How to increase the number of people that purchase flood insurance.  ​

    Final Report

    The Flood Insurance Premium Assistance Task Force Final Report is now available. 

    The report contains recommendations informed by information gathered at five public meetings held over the last six months. It includes a public comment period, agency collaboration, external stakeholder engagement, and discussions and presentations from experts in the field.

    The report's recommendations encompass key pillars of affordability, risk mitigation, incentives, and education and outreach. The Task Force is recommending:

    • Establishing an Office of Community Rating System Assistance (CRSA) and Expand Grant Funding within the Pennsylvania Emergency Management Agency (PEMA);
    • Improving Disclosures During the Home-buying Process;
    • Incorporating Continuing Education Credits Across Professional Roles; 
    • Enhancing Education and Outreach; 
    • Incentivizing Home Mitigation through Tax Credits; 
    • Enhancing Coverage for Water Damage;
    • Incorporating Flood Resiliency into Building Codes;
    • Proposing a Pennsylvania Flood Insurance Relief Act; and 
    • Studying Further Innovative Solutions.​​

    Previous Meeting Materials​

    ​Contact Information

    If there are any questions or comments, please contact Caolinn Martin, Deputy Policy Director at 717-783-9813.