National Flood Insurance

Program Regulations

FEMA F-775 / June 2009
National Flood Insurance Program Regulations

FEMA Laws and Regulations and the 

National Flood Insurance Program

1. Flood Insurance related laws and regulations

The FEMA regulations are set forth in 44 Code of Federal Regulations 

(CFR). This book of Federal regulations is updated yearly, the FEMA regulations are updated every October 1.

Once you are in the 44 CFR, go to the specific chapter title you are looking 

for (links to each chapter are listed below).

The National Flood Insurance Program (NFIP) regulations, a part of the 

FEMA Regulations, begins at 44 CFR 59, and runs through 44 CFR 80. 

Keep in mind that many of these parts are mitigation-related as well as 

being Flood insurance- related since much of the programs are intertwined, as you can see from the titles of each chapter below. The main 

area for flood insurance and the Standard Flood Insurance Policies are 

Chapter, or Part, 61 through 63. 

44 CFR SUBCHAPTER B--INSURANCE AND HAZARD MITIGATION

59 59.1 To 59.30 General Provisions 

60 60.1 To 60.26 Criteria For Land Management And Use 

61 61.1 To 61.17 Insurance Coverage And Rates 

62 62.1 To 62.24 Sale Of Insurance And Adjustment Of Claims 

63 63.1 To 63.18 Implementation Of Section 1306(C) Of 

 The National Flood Insurance Act Of 1968 

64 64.1 To 64.6 Communities Eligible For The Sale Of Insurance 

65 65.1 To 65.17 Identification And Mapping Of Special 

 Hazard Areas 

66 66.1 To 66.5 Consultation With Local Officials 
National Flood Insurance Program Regulations

67 67.1 To 67.12 Appeals From Proposed Flood Elevation

 Determinations 

68 68.1 To 68.12 Administrative Hearing Procedures 

69 [Reserved]

70 70.1 To 70.9 Procedure For Map Correction 

71 71.1 To 71.5 Implementation Of Coastal Barrier Legislation 

72 72.1 To 72.7 Procedures And Fees For Processing Map Changes 

73 73.1 To 73.4 Implementation Of Section 1316 Of The National 

 Flood Insurance Act Of 1968 

74 [Reserved]

75 75.1 To 75.14 Exemption Of State-Owned Properties Under 

 Self-Insurance Plan 

76-77 [Reserved]

78 78.1 To 78.14 Flood Mitigation Assistance 

79 79.1 To 79.9 Flood Mitigation Grants 

80 80.1 To 80.21 Property Acquisition And Relocation 

 For Open Space

Then National Flood Insurance Program began in 1968 following a series 

of large hurricanes and storms, as noted in the initial law and those that 

followed. (42 U.S.C. 4001 et seq.). These laws became the regulations 

set forth above. The National Flood Insurance Act of 1968 and the Flood 

Disaster Protection Act of 1973 also 

alternate NFIA of 1968 and FDPA of 1973

National Flood Insurance Reform Act of 1994 resulted in major changes 

to the National Flood Insurance Program (NFIP). The law amended the 

Flood Disaster Protection Act of 1973. It provides tools to make the NFIP 

more effective in achieving its goals of reducing the risk of flood damage 

to properties and reducing Federal expenditures for uninsured properties 

that are damaged by floods. View the National Flood Insurance Reform 

Act of 1994 NFIRA thru the FEMA Library. 
National Flood Insurance Program Regulations

In 2004, Congress amended the above laws by enacting the Flood Insurance Reform Act (FIRA) 2004

2. Disaster Relief and Emergency Management

Other laws and related material you may hear about include some of the 

mitigation laws, including the following:

The Stafford Disaster Relief and Emergency Assistance Act (Public Law 

93-288) (Stafford Act) amended the Disaster Relief Act of 1974, PL 

93-288. This Act constitutes the statutory authority for most Federal 

disaster response activities especially as they pertain to FEMA and FEMA 

programs. 

The Pre-disaster Mitigation Grant program is authorized through the 

Disaster Mitigation Act (DMA) which amends the Stafford Act; 

The Mitigation Directorate has a regulations development page; 

http://online.fema.net/res_regulation.htm 

3. Other useful sites

The site to find all regulations is at the National Archives, Federal Register 

Daily Federal Registers

The Government Accounting Office (GAO) 

The FEMA Federal Register Notices and Rules Archives 

FEMA acronyms, Abbreviations and Terms (FAAT)
FEMA F-775

Catalog No. 09049-3

FEMA

U. S. DEPARTMENT OF

HOMELAND SECURITY