Flood Disaster Protection Act: Avoiding Violations

On-Demand Webinar
StreamedMar 27, 2024Duration90 minutes
  • Unlimited & shareable access starting two business days after live stream
  • Available on desktop, mobile & tablet devices 24/7
  • Take-away toolkit
  • Ability to download webinar video
  • Presenter's contact info for questions
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Floods are a challenge for homeowners.

Similarly, flood insurance is a challenge for financial institutions – if the number of regulatory violations is any indication. This timely program will examine the nooks and crannies of the FDPA, demonstrate how to calculate coverage with a take-away tool, explain the types of flood policies borrowers can buy, and more. Now’s the time to ensure there are no leaks in your institution’s flood compliance management program!

  • Identify when FDPA requirements are triggered
  • Recognize examiner-identified FDPA exceptions
  • Determine when the detached exemption is available
  • Explain the differences between an NFIP and a private flood policy
  • Calculate the minimum amount of required flood insurance
  • Analyze a private flood policy
  • Understand critical timing requirements for force placing flood insurance
  • Use research resources, including the interagency flood FAQs


Flood insurance compliance continues to be a challenge for institutions as evidenced by the number of regulatory violations. This program will explain the requirements of the Flood Disaster Protection Act (FDPA), including identifying when the regulation applies, fulfilling notice requirements, and proper calculation of the minimum amount of flood insurance. In addition, it will highlight regulatory requirements cited as weaknesses that resulted in assessment of civil money penalties.

On the surface, the requirements of the FDPA appear pretty basic, but challenges arise when the collateral involves different types of structures and multiple liens. Therefore, it is critical to understand the appropriate numeric values to calculate coverage, the types of flood policies borrowers can obtain, and when the detached-structure exemption applies. This webinar will review these topics and more! In addition, you’ll gain helpful resources for researching questions.


This informative session is designed for lenders, loan processors, lending staff, compliance officers, risk officers, and trainers.


  • Explanation of flood zones
  • Tool to calculate the required amount of flood insurance
  • Interagency Questions and Answers Regarding Flood Insurance separated by section for easy reference
  • Special Flood Hazard Area loan worksheet
  • SFHA tracking log
  • Employee training log
  • Interactive quiz
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits

NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.


"The speaker was very knowledgeable on the topic, gave good examples, and very engaging. Very impressed with the presentation and the additional handouts that were provided. The webinar was an hour and half and flew by as there were no lulls in the presentation and questions were addressed at the end. Would definitely recommend this class to anyone monitoring flood insurance."
- Kathleen, Mercantile Bank of Michigan

"The speaker was very knowledgeable and explained things very clearly. It is not an easy topic to discuss but she was right on point. The materials are also very helpful."
-Melanie, Plains State Bank

Presented By

Molly StullMolly Stull
Brode Consulting Services, Inc.