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# flood insurance prohibition date

A flood insurance prohibition date refers to the date on which the prohibition on Federal flood insurance first took effect for a given area. The Federal Emergency Management Agency’s National Flood Insurance Program uses this date to determine whether a structure **structure**** Something temporarily or permanently constructed, built, or placed; and constructed of natural or manufactured parts including, but not limited to, a building, shed, cabin, porch, bridge, walkway, stair steps, sign, landing, platform, dock, rack, fence, telecommunication device, antennae, fish cleaning table, satellite dish/mount, or well head.  Learn more about structure  located within the CBRS is eligible for Federal flood insurance.  Federal flood insurance is available within the CBRS for structures that were constructed (or permitted and under construction) before the area’s flood insurance prohibition date (which is generally tied to the date that the area was first established as either a System Unit or OPA, but may differ in some cases).  If an existing insured structure within the CBRS is substantially improved or damaged (i.e., more than 50 percent of the structure’s market value), its Federal flood insurance policy cannot be renewed).

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