Flood Damage >> Flood Maps

Why is participation in the NFIP on a community basis rather than on an individual basis? The National Flood Maps Insurance Act of 1968 allows FEMA to make flood maps insurance available only in those areas where the appropriate public body has adopted adequate flood maps management regulations for its flood maps-prone areas. 

Individual citizens cannot regulate building or establish construction priorities for communities. Without community oversight of building activities in the flood maps, the best efforts of some to reduce future flood maps losses could be undermined or nullified by the careless building of others. Unless the Flood Maps community as a whole is practicing adequate flood maps hazard mitigation, the potential for loss will not be reduced sufficiently to affect disaster relief costs. 

Insurance rates also would reflect the probable higher Flood Maps losses that would result without local flood maps management enforcement activities. 12. Is community participation mandatory? Community participation in the NFIP is voluntary (although some states require NFIP participation as part of their flood maps management program). 

Each identified flood maps-prone community must assess its flood maps hazard and determine whether Flood Maps insurance and flood maps management would benefit the community's residents and economy. However, a community that chooses not to participate within 1 year after the flood maps hazard has been identified and an NFIP map has been provided is subject to the ramifications explained in the answer to Question 20 on page 6. 

A community's participation status can significantly affect current Flood Maps and future owners of property located in SFHAs. The decision should be made with full awareness of the consequences of each action. 13. What is the NFIP's Emergency Program? The Emergency Program is the initial phase of a community's participation in the NFIP and was designed to provide a limited amount of flood maps insurance. 

A community participating in the Emergency Program either does not have an identified and mapped Flood Maps hazard or has been provided with an FHBM, and the community is required to adopt limited flood maps management standards to control future use of its flood maps. Less than 3 percent of more than 21,000 communities participating in the NFIP remain in the Emergency Program. 

For additional information on mapping, please refer to the "Flood maps Hazard Assessment and Mapping Requirements” section of this Flood Maps book, starting on page 27. 14. What is the NFIP's Regular Program? A community participating in the Regular Program of the NFIP is usually provided with a FIRM and a detailed engineering study, termed a Flood maps Insurance Study (FIS). 

Under the Regular Program, the adoption by the community of more comprehensive flood maps requirements is required for higher amounts of Flood Maps insurance. 15. What happens when a participating community chooses not to adopt the effective FIRM and compliant Flood Maps management ordinance? 

As part of their agreement to participate in the NFIP, communities adopt and enforce these ordinances, including FIRMs. If communities do not, Flood Maps they can be placed on probation or suspended from the program. This is done only after FEMA has provided assistance to the community to help it become compliant. 

What is probation? Probation is a FEMA-imposed change in a community's status resulting from violations and deficiencies in the administration and enforcement of NFIP local Flood Maps management regulations. 17. When can a community be placed on probation? A community can be placed on probation 90 days after FEMA provides written notice to community officials of specific deficiencies. 

Probation generally is imposed only after FEMA has consulted with the community and has not been able to resolve deficiencies. 18. How long will probation last? Probation may be continued for up to 1 year after the community corrects all Program deficiencies Flood Maps and remedies all violations to the maximum extent possible. 

What penalties are imposed when a community is placed on probation? A surcharge is added to the premium for each policy sold Flood Maps or renewed in the community. The surcharge is effective for at least 1 year after the community's probation period begins. The surcharge is intended to focus the attention of policyholders on the community's noncompliance to help avoid suspension of the community, which has serious adverse impacts on those policyholders. 

Probation does not affect the availability of Flood Maps insurance. 20. What is suspension? Suspension of a participating community occurs when the community fails to adopt an adequate ordinance, including adopting the most current FIRMs. The community is provided written notice of the impending suspension and granted 30 days in which to show cause why it should not be suspended. 

Suspension is imposed by FEMA. If suspended, the community becomes non-participating and Flood Maps insurance policies cannot be written or renewed. Policies in force at the time of suspension, however, continue in force for the policy term. 

FEMA may suspend a participating community when the community fails to enforce its management regulations for failure to adopt compliant flood maps management measures, or if it repeals or amends previously compliant flood maps management measures. New flood maps insurance coverage cannot be purchased Flood Maps and policies cannot be renewed in a suspended community. 

Policies in force at the time of suspension continue in force for the policy term. If the community is suspended following a period of probation, the community is provided written notice of the impending suspension and Flood Maps granted 30 days in which to show because why it should not be suspended.

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