Flood Insurance Reform Act of 2004 (FIRA) - This act made several amendments to the Acts administering the NFIP, including (i) incorporating requirements for additional agent training for insurance agents selling flood insurance, (ii) requiring FEMA to disseminate more informational material to policyholders, and (iii) mitigating the impact of repetitive loss properties on NFIP total claims by creating the Severe Repetitive Loss Pilot Program.