Even though the country is still experiencing winter weather, spring will soon follow. And with spring comes the increased threat of flooding, and the increased need for flood insurance. There are three standard forms used for writing flood insurance under the National Flood Insurance Program (NFIP): the dwelling, general property, and the residential condominium building association. The NFIP Dwelling Form article reviews the dwelling form that is used for the average homeowner. The topics discussed include the insuring agreement, definitions, coverage descriptions, exclusions, and conditions.