The National Flood Insurance Program (NFIP) is a voluntary program in which participating communities adopt and enforce a set of minimum floodplain management requirements to reduce future flood damages. Property owners in participating communities may purchase NFIP flood insurance. This rule would revise the Standard Flood Insurance Policy by adding a new Homeowner Flood Form and five endorsements to replace the Dwelling Form as a source of coverage for homeowners of one-to-four family residences. This new Form would better align with property and casualty homeowners insurance and provide increased options and coverage in a more user-friendly and comprehensible format.