National Flood Insurance Fund - Mandatory

What this funds

25.3 Other Purchases of Goods & Services Commission of Taxes and Agents WYOs Full-Year CR Annualized CR President's Budget Total Changes Explanation of Non Pay Cost Drivers Claims and Other Expenses: This cost driver represents the portion of approximately $4.6B in premiums collected from NFIP policy holders used to pay claims associated with flooding. As of December 2025, there are approximately 4.6M NFIP policies in force, representing nearly $1.3T in coverage. This is also where FEMA receives reinsurance payments, when applicable, which can offset payments to policy holders for flood claim losses. FY 2027 funding levels reflect updated estimates of the financial position of the NFIP, and the number of policyholders aligned with the Commission of Taxes and Agents for WYOs: This represents the portion of NFIP premiums retained by the approximately 50 private insurance companies participating in the WYO program. The private insurance companies participating in the NFIP are responsible for selling and servicing flood insurance policies, commissions paid to agents for selling NFIP Direct flood insurance policies, and insurance premium taxes paid to state governments on the premiums collected for flood policies sold in those states. Increased costs in this activity are attributed to updated estimates derived from the NFIP baseline model. Interest Payments on NFIP Debt: This cost driver represents the amount the NFIP must have available to service the program's outstanding debt authority was limited to $1.5B, which it was able to manage as needed through collections of policyholder premiums. After multiple catastrophic events in FY 2005, the NFIP's borrowing authority was increased and the program accrued significant debt and associated interest payments. NFIP Operating Expenses - Program Delivery: This cost driver supports the overall manageme

Extracted from Federal Emergency Management Agency, p. 6. Verbatim; nothing here is paraphrased.

Contracts funded by this line

44 linked contracts. These are obligations — lifetime awarded money — and they are not comparable to the request above and are never added to it. No total is shown: an award linked to several lines is counted in full on each, so the sum would not be a fact.

Showing 8 of 44 — most confidently matched first, largest within a confidence tier. These are not necessarily the largest 8.

Confidence mix · 44 medium

Linked contracts are a floor, not a census. Coverage is bounded by how distinctively a program is named and, for performer links, to RDT&E and Procurement — O&M and military construction publish no performers. Budget figures are FY2027 request dollars; contract figures are obligations. The two measure different things and must never be summed together.

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Answers come from the figures on this page and nothing else. These dollars are parsed from Homeland Security's Congressional Justification and are approximate — confirm anything that matters against the cited page.