There are specific requirements for facilities located within the Special Flood Hazard Area (SFHA). These requirements are not technically insurance issues but are related to the National Flood Insurance Program (NFIP). These requirements apply to flood damaged buildings and the contents of buildings located in the 100-year floodplain.
If your community is not participating in the NFIP, FEMA will not provide Public Assistance funds for damages to your buildings, or the contents of such buildings, that are located within the 100-year floodplain. FEMA will also not provide funding for damages within the floodplain if you have been sanctioned by NFIP (i.e., if your community was suspended from the program by NFIP).
If your community is participating in the NFIP, FEMA will reduce all grants for buildings and the contents of buildings located within the 100-year floodplain. The amount of the reduction will be the maximum amount of insurance proceeds available for the work under a standard NFIP flood insurance policy or the actual insurance proceeds received, whichever is greater.
Discuss any buildings and the contents of any building damaged by flooding and located within the Special Flood Hazard Area with the Public Assistance Coordinator (PAC) at the Kickoff Meeting or as soon as possible. FEMA will need to know if the community in which the facility is located is participating in the NFIP, the date the building was constructed, and its exact location within the 100-year floodplain.