The Emergency Program is the initial phase of a community''s participation in the National Flood Insurance Program (NFIP) if no flood hazard information is available or the community has a Flood Hazard Boundary Map (FHBM), but no Flood Insurance Rate Map (FIRM). A limited amount of flood insurance coverage at less than actuarial rates is available for all residents of the community. The community is required to adopt minimum floodplain management standards to control future use of its floodplains. Communities are converted to the Regular Program upon completion of a Flood Insurance Study and issuance of a FIRM or a determination that the community has no special flood areas (NSFHA). Under the Regular Program, more comprehensive floodplain management requirements are required of the community and higher amounts of flood insurance coverage are provided.
National Flood Insurance Program (NFIP) Requirement
59.1 - Definition
59.3 - Description
60.3 (a) - Requirements for Communities with No FIRM or FHBM
60.3 (b) - Requirements for Communities with FHBMs or FIRMS with no BFEs Established