---
kind: "section"
citation: "42 U.S.C. § 4013a"
title: "42"
title_heading: "The Public Health and Welfare"
number: "4013a"
heading: "Policy disclosures"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/42/4013a"
units:
  - "Chapter 50 — National Flood Insurance"
  - "Subchapter I — The National Flood Insurance Program"
---

# §4013a. Policy disclosures

- (a) **In general—** Notwithstanding any other provision of law, in addition to any other disclosures that may be required, each policy under the [National Flood Insurance Program](/usc/42/4004.md?p=a-4) shall [state](/usc/42/4121.md?p=a-2) all conditions, exclusions, and other limitations pertaining to coverage under the subject policy, regardless of the underlying insurance product, in plain English, in boldface type, and in a font size that is twice the size of the text of the body of the policy.
- (b) **Violations—** The [Administrator](/usc/42/4003.md?p=a-6) may impose a civil penalty of not more than $50,000 on any [person](/usc/42/4121.md?p=a-5) that fails to comply with [subsection (a)](#a).

## Source credit

(Pub. L. 112–141, div. F, title II, § 100234, July 6, 2012, 126 Stat. 956.)

## Notes

### Editorial Notes

### Codification

Section was enacted as part of the Biggert-Waters Flood Insurance Reform Act of 2012, and also as part of the Moving Ahead for Progress in the 21st Century Act, also known as the MAP–21, and not as part of the National Flood Insurance Act of 1968 which comprises this chapter.

### Statutory Notes and Related Subsidiaries

### Definitions

For definitions of terms used in this section, see section 4004 of this title.