Why is participation in the National Flood Insurance Program (NFIP) on a community basis rather than on an individual basis?
The National Flood Insurance Act of 1968 allows the Federal Insurance and Mitigation Administration (FIMA) to make flood insurance available only in those areas where the appropriate public body has adopted adequate floodplain management regulations for its flood-prone areas. Individual citizens cannot regulate building or establish construction priorities for communities. Without community oversight of building activities in the floodplain, the best efforts of some to reduce future flood losses could be undermined or nullified by the careless building of others. Unless the community as a whole is practicing adequate flood hazard mitigation, the potential for loss will not be reduced sufficiently to affect disaster relief costs.


Insurance rates also would reflect the probable higher losses that would result without local floodplain management enforcement activities.

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1. What happens when a community does not enforce its floodplain management ordinance?
2. What is probation?
3. When can a community be placed on probation?
4. How long will probation last?
5. What penalties are imposed when a community is placed on probation?
6. What is suspension?
7. What happens if a community does not participate in the National Flood Insurance Program (NFIP)?
8. Explain the discounts on premiums for the Community Rating System (CRS) for communities that go beyond the minimum requirements to participate in the National Flood Insurance Program (NFIP).
9. What procedures must be followed for a community to participate in the Community Rating System (CRS)?
10. How can a community acquire the CRS Coordinator's Manual and other information describing the program?
11. What is the National Flood Insurance Program (NFIP)?
12. Why was the National Flood Insurance Program established by Congress?
13. How was the National Flood Insurance Program (NFIP) established and who administers it?
14. What is the National Flood Insurance Program's (NFIP) Write Your Own (WYO) Program?
15. Do the state insurance regulators have any jurisdiction over the National Flood Insurance Program in their respective states?
16. How does the National Flood Insurance Program (NFIP) benefit property owners, taxpayers, and communities?
17. What is the definition of a community?
18. Why is participation in the National Flood Insurance Program (NFIP) on a community basis rather than on an individual basis?
19. Is community participation mandatory?
20. What is the National Flood Insurance Program's Emergency Program?
21. What is the National Flood Insurance Program's (NFIP) Regular Program?