| Emergency Program of the NFIP | ||
| Community applies for participation in the National Flood Insurance Program
(NFIP) either (a) as a result of interest in eligibility for flood insurance, or (b) as a result of
receiving notification from FEMA that it contains one or more Special Flood Hazard Areas (SFHAs). Application
includes adopted resolutions or ordinances to minimally regulate new construction in SFHAs. FEMA authorizes the sale of flood insurance in the community up to the Emergency Program limits. FEMA assesses the community's degree of flood risk and development potential, and if appropriate... FEMA arranges for a study of the community to determine base flood elevations and flood risk zones. Consultation with the community occurs at the start of and during the study. Communities with minimal or no flood risk are converted to the Regular Program without a study (below). FEMA provides the studied community with Flood Insurance Rate Map delineating base flood elevations and flood risk zones. Community is given 6 months to adopt base flood elevations in its local zoning and building code ordinances, and to meet other requirements. Community adopts more stringent ordinances and FEMA converts the community to the NFIP's Regular Program (below). Emergency Program Flood Insurance Coverages |
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| Buildings | ||
| Single Family | $35,000 | |
| Other Residential | $100,000 | |
| Non-Residential | $100,000 | |
| Contents | ||
| Residential | $10,000 | |
| Non-Residential | $100,000 | |
Community implements adopted floodplain management measures.
FEMA arranges for periodic community assistance visits with local officials to provide technical assistance regarding complying with NFIP floodplain management requirements.
Local officials may request flood map updates as needed. FEMA evaluates requests, encourages cost-sharing, and issues revised maps as priorities dictate.
| Regular Program Flood Insurance Coverages | |||
| Building Coverage | Basic Insurance Limits | Additional Insurance Limits | Total Insurance Available |
| Single Family Dwelling | $50,000 | $200,000 | $250,000 |
| 2-4 Family Dwelling | $50,000 | $200,000 | $250,000 |
| Other Residential | $150,000 | $100,000 | $250,000 |
| Non-Residential or Small Business | $150,000 | $350,000 | $500,000 |
| Contents Coverage (per unit) | Basic Insurance Limits | Additional Insurance Limits | Total Insurance Available |
| Residential | $20,000 | $80,000 | $100,000 |
| Non-Residential or Small Business | $130,000 | $370,000 | $500,000 |
Notes: The purchase of flood insurance is mandatory as a condition of receipt of federal or federally-related financial assistance for acquisition and or construction of buildings in SFHAs of any participating community. Those communities notified as flood-prone which do not apply for participation in the NFIP within 1 year of notification are ineligible for federal or federally-related financial assistance for acquisition, construction, or reconstruction of insurable buildings in the SFHA. Conventional loans are available in the SFHA of nonparticipating communities for these purposes at the lender's risk.
NFIP: National Flood Insurance Program
SFHA: Special Flood Hazard Area
FEMA: Federal Emergency Management Agency