A list of state coordinating agencies and their telephone numbers is provided. The regulatory requirements set forth by FIA are the minimum measures acceptable for NFIP participation. More stringent requirements adopted by the local community or state would take precedence over the minimum regulatory requirements established for flood insurance availability. These measures take a variety of forms and generally include zoning, subdivision, or building requirements, and special-purpose floodplain ordinances. They affect existing buildings only when an existing building is substantially improved.
Substantial damage is determined regardless of the actual repair work performed.
Substantial improvement or damage does not, however, include any project for improvement of a building to correct existing violations of state or local health, sanitary, or safety code specifications which have been identified by the local code enforcement official and which are the minimum necessary to assure safe living conditions. The local floodplain management regulations required by the NFIP apply only in the SFHAs. NFIP standards and policies are reviewed periodically and revised whenever appropriate.