With the deadline for enrollment into the health care marketplace finally behind us, those in the insurance industry may shift our focus to more controversial legislation. The National Flood Insurance Program (NFIP) was set to see drastic changes due to the Biggert-Waters Act of 2012. Although the law was already being enforced, both the House and Senate were pushing separate bills to amend the law as recently as last month. The House bill was seeking to limit the rate increases to be more gradual with a maximum increase of 15% per year. The Senate bill would have delayed all rate hikes until September 30, 2017. The result of the House and Senate bills was a new law called Flood Insurance Homeowner Affordability Act (FIHAA). This new act was signed into law on March 21, 2014 and amended some of the Biggert-Waters Act of 2012.