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flooded country house Image: Shutterstock.

Last year, changes were made to the National Flood Insurance Program. The effective date was Oct. 1, and the changes offered several new provisions. The most significant provision allows consumers to choose their own flood insurance provider. In addition, they may cancel NFIP coverage mid-year if specific conditions are met. If the cancellation is approved, the consumer will receive a partial refund for that particular year.

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