National Flood Insurance ProgramAnyone, anywhere can get flood insurance. Have you considered it? Show
The National Flood Insurance Program (NFIP) aims to reduce the impact of flooding on private and public structures. The program, which is regulated by the Federal Emergency management Agency (FEMA), works by providing affordable insurance to property owners, renters and businesses and by encouraging communities to adopt and enforce floodplain management regulations. The three main elements of NFIP are:
Through the NFIP, FEMA is responsible for generating and maintaining Flood Insurance Rate Maps (FIRMs), which indicate which areas are most susceptible to flooding. For a community to participate in the NFIP must adopt standards and regulate floodplain development to the minimum standards of the regulations as set forth in federal Regulations (Title 44 CFR Section 60). Property owners who live in communities that do not participate in the NFIP are unable to purchase flood insurance through the NFIP. Communities that do not participate in the state may not be eligible for hazard mitigation non-disaster funds or other disaster funding streams (grants and loans). Commonwealth of Pennsylvania RolePer federal regulations [44 CFR § 60.25], the state has the responsibility of serving as the link between federal, other state, and local governments for all things related to the NFIP.
Proper administration and enforcement of floodplain management activities, in accordance with the NFIP requirements, is a municipality’s responsibility; the state’s NFIP Coordinator administers the program in accordance with the “Flood Plain Management Act 166 of 1978 which complies with FEMA NFIP’s regulations. All municipalities with a FEMA identified Special Flood Hazard Area (SFHA) must participate in the NFIP per Chapter 2 of this act. Which of the following is a responsibility of an NFIP community?Legal enforcement of the floodplain management standards is the responsibility of the participating NFIP community, which can elect to adopt higher standards as a means of mitigating flood risk.
What are the three major components of the NFIP?Because most communities with a known flood problem are in the NFIP, this reference guide does not cover how a community applies to join. However, it does explain the three basic parts to the NFIP—mapping, insurance, and regulations. As discussed below, these three parts are interconnected and mutually supportive.
What are the two stages of community participation in the National Flood Insurance Program?When a community participates in the NFIP, it participates in one of two phases: the Emergency Program or the Regular Program. Emergency Program: Entry-level participation phase. Regular Program: Most participating communities are in this phase.
Which of the following is a floodplain management responsibility of FEMA headquarters?The responsibilities of the Federal Insurance and Mitigation Administration (FIMA) at FEMA Headquarters are to: Administer the flood hazard mapping program and regularly update or modernize flood maps using the best available information.
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Which of the following is a responsibility of local communities participating in the NFIP?
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