A program created under this Act provides a guarantee only against specifically local housing market conditions within the territory of the program as they may differ from municipal, regional, or national housing conditions. A program shall not provide relief from adverse municipal-wide, regional or national housing market conditions as they may affect local housing conditions. A program shall not guarantee against a decline in the value of housing due to economic forces such as a national, regional or municipal recession or depression. In the event of a regional decline in the value of housing in the municipal, regional or national housing markets, the governing commission may temporarily suspend coverage under the program in order to protect the fiscal integrity of the guarantee fund. For the purposes of this Section, a regional decline in the value of housing is defined as a 5% annual decline in the median value of existing houses in any 12-month period for the nation, Midwest region, State of Illinois or municipality in which the program is located, according to statistics published by the National Association of Realtors.