Notice2026-11826
Agency Information Collection Activities: Proposed Collection, Comment Request; FEMA Inspection and Claims Forms
Primary source
Metadata and text below are from the Federal Register, a public-domain U.S. government work. Always verify the official published version before relying on it for any legal matter.
Published
June 12, 2026
Issuing agencies
Homeland Security DepartmentFederal Emergency Management Agency
Abstract
The Federal Emergency Management Agency (FEMA), as part of its continuing effort to reduce paperwork and respondent burden, invites the general public to take this opportunity to comment on an extension of a currently approved information collection. In accordance with the requirements of the Paperwork Reduction Act of 1995, this notice seeks comments concerning the collection of information related to the flood insurance claims process and the housing inspection damage assessment process.
Full Text
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<title>Federal Register, Volume 91 Issue 113 (Friday, June 12, 2026)</title>
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[Federal Register Volume 91, Number 113 (Friday, June 12, 2026)]
[Notices]
[Pages 35696-35697]
From the Federal Register Online via the Government Publishing Office [<a href="http://www.gpo.gov">www.gpo.gov</a>]
[FR Doc No: 2026-11826]
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DEPARTMENT OF HOMELAND SECURITY
Federal Emergency Management Agency
[Docket ID: FEMA-2026-0331; OMB No. 1660-0005]
Agency Information Collection Activities: Proposed Collection,
Comment Request; FEMA Inspection and Claims Forms
AGENCY: Federal Emergency Management Agency, Department of Homeland
Security.
ACTION: 60-Day notice of extension and request for comments.
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SUMMARY: The Federal Emergency Management Agency (FEMA), as part of its
continuing effort to reduce paperwork and respondent burden, invites
the general public to take this opportunity to comment on an extension
of a currently approved information collection. In accordance with the
requirements of the Paperwork Reduction Act of 1995, this notice seeks
comments concerning the collection of information related to the flood
insurance claims process and the housing inspection damage assessment
process.
DATES: Comments must be submitted on or before August 11, 2026.
ADDRESSES: To avoid duplicate submissions to the docket, please submit
comments at <a href="http://www.regulations.gov">http://www.regulations.gov</a> under Docket ID FEMA-2026-0331.
Follow the instructions for submitting comments.
All submissions received must include the Agency name and Docket
ID. Regardless of the method used to submit comments or material, all
submissions will be posted, without change, to the Federal eRulemaking
Portal at <a href="http://www.regulations.gov">http://www.regulations.gov</a>, and will include any personal
information you provide. Therefore, submitting this information makes
it public. You may wish to read the Privacy and Security Notice that is
available via a link on the homepage of <a href="http://www.regulations.gov">http://www.regulations.gov</a>.
FOR FURTHER INFORMATION CONTACT: Freda Copeland, Division Director (A),
FEMA Resilience, 202-710-6061, <a href="/cdn-cgi/l/email-protection#98feeafdfcf9b6fbf7e8fdf4f9f6fcd8fefdf5f9b6fcf0ebb6fff7ee"><span class="__cf_email__" data-cfemail="284e5a4d4c49064b47584d4449464c684e4d4549064c405b064f475e">[email protected]</span></a>. You may
contact the Information Management Division for copies of the proposed
collection of information at email address: <a href="/cdn-cgi/l/email-protection#7234373f335f3b1c141d001f13061b1d1c5f311d1e1e1711061b1d1c015f3f131c1315171f171c063214171f135c161a015c151d04"><span class="__cf_email__" data-cfemail="e3a5a6aea2ceaa8d858c918e82978a8c8dcea08c8f8f8680978a8c8d90ceae828d8284868e868d97a385868e82cd878b90cd848c95">[email protected]</span></a>.
SUPPLEMENTARY INFORMATION: Pertaining to National Flood Insurance
Program (NFIP) Direct claim forms, Congress created the NFIP through
the National Flood Insurance Act of 1968 (NFIA), Title XIII of Public
Law 90-448, 82 Stat. 476, codified at 42 U.S.C. 4001 et seq. The NFIP
enables property owners in participating communities to purchase flood
insurance. Communities participate in the NFIP based on an agreement
between the community and Federal Emergency Management Agency (FEMA).
If a community adopts and enforces a floodplain management ordinance to
reduce future flood risk to new construction in floodplains, FEMA makes
flood insurance available within the community as a financial
protection against flood losses. Accordingly, the NFIP is comprised of
three key activities: flood insurance, floodplain management, and flood
hazard mapping.
A prospective policyholder may purchase an NFIP flood insurance
policy, known as a Standard Flood Insurance Policy (SFIP), either: (1)
directly from the Federal Government through a direct servicing agent
(referred to as ``NFIP Direct''), or (2) from a participating private
insurance company through the Write Your Own (WYO) Program. See 44 CFR
62.23-24. The SFIP is a single-peril (flood) policy that pays for
direct physical damage to insured property. There are three SFIP policy
forms (i.e., insurance contracts): (1) Dwelling Form, (2) General
Property Form, and (3) Residential Condominium Building Association
Policy (RCBAP) Form, which are published in FEMA's regulations. See 44
CFR 61.13; see also 44 CFR part 61, Appendices A(1), A(2), and A(3).
The SFIP sets out the terms and conditions of insurance. FEMA
establishes terms, rate structures, and premium costs of the SFIP. The
terms, coverage limits, and flood insurance premiums are the same
whether purchased from the NFIP Direct or the WYO Program. See 44 CFR
62.23(c), (h).
All flood loss claims presented under the NFIP are paid directly
with U.S. Treasury funds, regardless of whether the policy is issued by
the NFIP Direct or by a WYO company. The information in the NFIP Direct
collection includes all the data necessary to adjudicate claims for
damages and provide SFIP benefits resulting from flood losses. In
addition to the requirements of the NFIA, section 205 of the Bunning-
Bereuter-Blumenauer Flood Insurance Reform Act of 2004, Public Law 108-
264, 118 Stat. 726, (42 U.S.C. 4011 note) required FEMA to establish a
claims appeals process. See 44 CFR 62.20.
Pertaining to housing inspections, also part of this collection,
the Robert T. Stafford Disaster Relief and Emergency Assistance Act
(Stafford Act), Public Law 93-288, as amended, is the legal basis for
FEMA to provide financial assistance and services to individuals
applying for disaster assistance benefits in the event of a Federally
declared disaster. Regulations in 44 CFR 206.110--Federal Assistance to
Individuals and Households implement the policy and procedures set
forth in Section 408 of the Stafford Act, 42 U.S.C. 5174, as amended.
This program provides financial assistance and, if necessary,
direct assistance to eligible individuals and households who, as a
direct result of a major disaster or emergency, have uninsured or
under-insured expenses and serious needs, and are unable to meet such
expenses or needs through other means.
Individuals and households applying for assistance must provide
information detailing their losses and needs through the disaster
assistance registration process covered under collection 1660-0002,
Disaster Assistance Registration. If FEMA determines the applicant had
home or personal property damage, has no insurance, or that the
applicant's insurance coverage may not meet their needs, an inspection
is needed to verify disaster caused damage.
All pertinent information for a specific applicant is stored under
a unique registration identification (ID) within the National Emergency
Management Information System (NEMIS). An inspection request occurs
[[Page 35697]]
due to NEMIS-driven business rules (automatically), applicant request,
or a FEMA caseworker request. The scope of an inspection for owners
includes noting real and personal property (furnishing and appliances)
damages to the interior and exterior of the dwelling, addressing
special needs, transportation, unmet needs, and miscellaneous
purchases. Inspectors do not note real property specifications for
renters.
Once the inspector validates the information provided by the
applicant during registration intake, the inspector begins an
assessment of real and/or personal property damages utilizing Automated
Construction Estimator (ACE) software. The same ACE software screens
are used regardless of how the inspection occurs (i.e., via onsite, via
voice over the phone, or via video). The inspector then uploads this
information back to FEMA via the NEMIS through use of a secure
connection. The inspector only records observed disaster-caused damages
and does not determine eligibility or damage award levels. FEMA's
policies and business rules determine eligibility and award levels
based upon the damage assessment and other available information.
Collection of Information
Title: FEMA Inspection and NFIP Direct Claims Forms.
Type of Information Collection: Extension of a currently approved
information collection.
OMB Number: 1660-0005.
FEMA Forms: FF-206-FY-21-106 Personal Property (Contents)
Worksheet; FF-206-FY-21-107 Building Property Worksheet; FF-206-FY-21-
108 Proof of Loss--Building & Contents (Policyholder-Prepared); FF-206-
FY-21-109 Proof of Loss--Increased Cost of Compliance (ICC); FF-206-FY-
21-110 First Notice of Loss; FF-206-FY-21-111 Manufactured (Mobile)
Home/Travel Trailer Worksheet; FF-206-FY-21-112 Proof of Loss--Building
& Contents (Adjuster-Prepared); FF-206-FY-21-115 Claim Appeal; FF-104-
FY-22-220 Onsite Housing Inspection; FF-104-FY-22-221, Remote Voice
Housing Inspection; FF-104-FY-22-222, Remote Video Housing Inspection.
Abstract: After a flood loss, claims forms are used by NFIP Direct
policyholders to provide information needed to investigate, document,
evaluate, and adjudicate claims against FEMA policies for flood damage
to insured property or determine eligibility and settlement for
benefits under Coverage D, Increased Cost of Compliance coverage. After
a federally-declared disaster, FEMA inspectors use household inspection
instruments to verify applicant information and document damage to
determine award eligibility.
Affected Public: Individuals or households, businesses or other
for-profit or not-for-profit institutions, and state, local or Tribal
governments.
Estimated Number of Respondents: 300,493.
Estimated Number of Responses: 300,493.
Estimated Total Annual Burden Hours: 306,947.
Estimated Total Annual Respondent Cost: $14,926,833.
Estimated Respondents' Operation and Maintenance Costs: $0.
Estimated Respondents' Capital and Start-Up Costs: $0.
Estimated Total Annual Cost to the Federal Government:
$102,314,333.
Comments
Comments may be submitted as indicated in the ADDRESSES caption
above. Comments are solicited to (a) evaluate whether the proposed data
collection is necessary for the proper performance of the Agency,
including whether the information shall have practical utility; (b)
evaluate the accuracy of the Agency's estimate of the burden of the
proposed collection of information, including the validity of the
methodology and assumptions used; (c) enhance the quality, utility, and
clarity of the information to be collected; and (d) minimize the burden
of the collection of information on those who are to respond, including
through the use of appropriate automated, electronic, mechanical, or
other technological collection techniques or other forms of information
technology, e.g., permitting electronic submission of responses.
Russell R. Bard,
Acting Director, Information Management Division, Office of the Chief
Administrative Officer, Mission Support, Federal Emergency Management
Agency, Department of Homeland Security.
[FR Doc. 2026-11826 Filed 6-11-26; 8:45 am]
BILLING CODE 9111-52-P
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This is legal information, not legal advice. Laws vary by jurisdiction and change frequently. Always verify current law with official sources and consult a licensed attorney in your jurisdiction for advice on your specific situation.