The NFIP (National Flood Insurance Program) and FEMA (Federal Emergency Management Administration) do a pretty good job later in this book of explaining the purpose and uses of this book. Flood is an inconvenient event that seeps in and destroys families, structures, and communities. The NFIP is the primary insurer for those who wish to insure against the devastation and financial damage caused by flood. This manual is used by policy holders, insurers, adjusters, and others who have a role in helping protect our communities from flood loss. As a publisher based in Houston, Texas I've seen my fair share of what flood can do first hand. The government does not print and distribute copies of this manual. So I've stepped in as a publisher, recognizing that sometimes a written book is better than e-reader. It is my hope that this book will aid those who do the hard work of writing the flood insurance policies, adjusting the claims after an event, and rebuilding their lives to understand and benefit from the National Flood Insurance Program.