National Flood Insurance Program Regulations

1
National Flood Insurance Program Regulations
Bill Massey and Sam Crampton Dewberry

South Florida Water Management District Floodplain
Management Training May 2005
2
Importance of Regulations

• Describe Program
• Define terms used to run Program
• Provide minimum floodplain management criteria
  for communities to adopt and enforce

3
Organization of NFIP Regulations

• Part 59 General Provisions
• Definitions, program description
• Part 60 Criteria for Land Management and Use
• Floodplain management ordinances
• Part 65 Identification and Mappingof Special
  Hazard Areas
• Map revisions, floodways, levees

4
Organization of NFIP Regulations

• Part 66- Consultation with Local Officials
• Part 67 Appeals from Proposed Flood Elevation
  Determinations
• Types of appeals and appeal procedures
• Part 70 Procedure for Map Correction
• LOMAs, CLOMAs
• Part 72 Procedures and Fees for Processing Map
  Changes
• Fee schedule and payment procedures

5
Part 59 General Provisions

• Administrator
• The Federal Insurance Administrator
• Area of Special Flood Hazard
• Areas subject to a 1 or greater annual chance of
  flooding in a given year
• Include Zones A, AE, AO, V, and VE
• 0.2 annual chance (500-year) floodplain is NOT
  an SFHA
• Basement
• Any area of a building having its floor below
  ground level on all sides.

6
Part 59 General Provisions

• Chief Executive Officer (CEO)
• Community official charged with authority to
  implement and administer laws, ordinances, and
  regulations
• Coastal High Hazard Area (V Zone)
• Area of Special Flood Hazard extending from
  offshore to the inland limit of the primary
  frontal dune along open coast and any other area
  subject to high velocity wave action from storms
  or seismic sources

7
Part 59 General Provisions

• Flood
• Temporary condition of partial or complete
  inundation of normally dry areas from overflow of
  inland or tidal waters, rapid accumulation or
  runoff of surface waters from any source, or from
  mudslides
• Freeboard
• Factor of safety (expressed in feet) above a
  flood level for purposes of floodplain management

8
Part 59 General Provisions

• Levee
• Man-made structure designed and constructed in
  accordance with sound engineering practices to
  contain, control, or divert flow of water to
  provide protection from temporary flooding
• Levee System
• Flood protection system consisting of levee(s)
  and associated structures, such as closure and
  drainage devices which are constructed and
  operated in accordance with sound engineering
  practices

9
Part 59 General Provisions

• Lowest Floor
• Lowest floor of lowest enclosed area (including
  basement)
• Unfinished or flood resistant enclosure used
  solely for parking, building access, or storage
  in an area other than a basement is not
  considered a buildings lowest floor

10
Part 59 General Provisions

• New Construction
• For insurance premiums, includes structures for
  which start of construction commenced on or
  after effective date of initial FIRM or
  after12-31-74, whichever is later, and any
  subsequent improvements (Pre-FIRM versus
  Post-FIRM)
• For floodplain management, includes structures
  for which start of construction commenced on or
  after effective date of floodplain management
  regulations adopted by community and any
  subsequent improvements

11
Part 59 General Provisions

• Primary Frontal Dune
• Continuous or nearly continuous mound or ridge of
  sand with relatively steep seaward and landward
  slopes immediately landward and adjacent to beach
  which is subject to erosion and overtopping from
  high tides and waves during major coastal storms

12
Primary Frontal Dune
13
Part 59 General Provisions

• Regulatory Floodway
• Channel of river or other watercourse and
  adjacent land areas that must be reserved to
  discharge base flood without cumulatively
  increasing water-surface elevation by more than a
  designated height

14
Regulatory Floodway
15
Part 60 Criteria for Land Management and Use

• Different Zone Designations also (Section 64.3)
• Section 60.3 Floodplain Management Criteria for
  Floodprone Areas

16
Different Zone Designations

• Defined in Section 64.3
• Zone A
• Areas of 100-year flood where BFEs are not
  determined
• Zones AE, A1 - A30
• Areas of 100-year flood where BFEs are shown

17
Different Zone Designations

• Zone AO
• Areas of 100-year shallow flooding where average
  water depths are between 1 and 3 feet (average
  depths of inundation are shown)
• Zone AH
• Areas of 100-year shallow flooding where average
  water depths are between 1 and 3 feet (BFEs are
  shown)

18
Example Zone AO
19
Different Zone Designations

• Zone A99
• Areas of 100-year flood to be protected by flood
  protection system under construction (BFEs not
  determined)
• Zone AR
• Areas of special flood hazard that result from
  the decertification of previously accredited
  flood protection system that is being restored
  to provide a 100-year or greater level of
  protection

20
Different Zone Designations

• Zone B (shaded Zone X)
• Areas between limits of 100-year flood and
  500-year flood
• Areas protected by levees
• 100-year floodplain where water depths are less
  than 1 foot
• Areas with drainage areas less than1 square mile

21
Different Zone Designations

• Zones C (unshaded Zone X)
• Areas of minimal flooding
• Zone D
• Areas of undetermined, but possibleflood hazards
• Federal lands such as parks

22
Different Zone Designations

• Zone V
• Areas of 100-year coastal flood with wave action
  (BFEs not determined)
• Zones VE, V1-V30
• Areas of 100-year coastal flood with wave action
  (BFEs determined)

23
Section 60.3 Floodplain Management Criteria

• Contains minimum floodplain management criteria
• Requirements are layered

24
Section 60.3 Floodplain Management Criteria
25
Section 60.3 Floodplain Management Criteria

• Each Paragraph of 60.3 builds on preceding
  paragraph.
• Example 60.3(d) contains requirements of
  60.3(c) by definition.
• Example In community with BFEs and a floodway,
  they have 60.3(d) ordinances, but only have to
  enforce requirements of 60.3(b) in A Zones.

26
Paragraph 60.3(a)
Without SFHAs, BFEs, Floodways, or V Zones

• Permits are required for proposed development.
• Permit applications are to be reviewed by
  community official.

27
Paragraph 60.3(b)
Zone A Only

• Permits required.
• BFE data required for developments greater than
  50 lots or 5 acres, whichever is less.
• Obtain, review, and reasonably utilize BFE and
  floodway data.

28
Paragraph 60.3(b)

• When BFE data are utilized within a Zone A, a
  community official should maintain elevation
  records of new and substantially improved
  structures.

29
Paragraph 60.3(c)
BFEs, but no Floodways or V Zones

• Residential structures within ZonesA1-A30, AE,
  and AH must have lowest floor (including
  basement) elevated to or above BFE.
• Non-residential structures can be elevated or
  made watertight below BFE.

30
Paragraph 60.3(c)

• Fully enclosed areas (not including basements)
  below lowest floor that are usable solely for
  parking, building access, or storage shall be
  designed to automatically equalize hydrostatic
  pressure on exterior walls.

31
Paragraph 60.3(c)

• Within AO zones, all new construction and
  substantial improvements of residential
  structures must have lowest floor elevated above
  highest adjacent grade at least as high as depth
  of AO zone.

32
Paragraph 60.3(c)

• Until a floodway is designated, it is required
  that no new construction or substantial
  improvement shall be permitted within Zones
  A1-A30 or AE, unless it is demonstrated that
  cumulative effect of proposed development, when
  combined with all other existing and proposed
  development, will not increase water surface of
  base flood by more than 1 foot at any point in
  community.

33
Paragraph 60.3(d)
BFEs and Floodways, but no V Zones

• Select and adopt a regulatory floodway based on
  principle that area chosen for floodway must be
  designed to carry base flood without increasing
  water surface elevations by more than 1 foot.

34
Paragraph 60.3(d)

• Prohibit encroachments within adopted regulatory
  floodway unless it has been demonstrated through
  HH analyses that proposed encroachment would not
  result in any increase in flood levels.

35
Paragraph 60.3(e)
V Zones only

• All new construction within ZonesV1-V30, VE, and
  V must be located landward of reach of mean high
  tide.

36
Paragraph 60.3(e)

• Requires that all new construction and
  substantial improvements in Zones V1-V30, VE, and
  V are elevated on pilings and columns so that
• Bottom of lowest horizontal structural member of
  lowest floor is elevated to or above BFE and
• Pile or column foundation and structure are
  anchored to resist flotation, collapse, and
  lateral movement.

37
Paragraph 60.3(e)

• Requires that space below lowest floor must be
  either free of obstruction or constructed with
  non-supporting, breakaway walls.
• Prohibits use of fill for structuralsupport in V
  Zones.
• Prohibits man-made alteration ofsand dunes.

38
Part 65 Identification and Mapping of Special
Hazard Areas

• Purpose To outline steps community needs to
  take to assist FEMAs effort in providing
  up-to-date identification and publication of
  flood hazard maps.

39
Section 65.3 Requirement to Submit New
Technical Data

• When communitys BFEs increase or decrease
  resulting from physical changes affecting
  floodplain, community must notify FEMA by
  submitting technical or scientific data as soon
  as practicable, but no later than 6 months.

40
Section 65.4 Right to Submit New Technical Data

• Community has right to request changes to any
  information on FIRM that does not impact flooding
  information (i.e., corporate limits, labeling,
  etc.).

41
Section 65.4 Right to Submit New Technical Data

• Requests for changes to effective maps, except
  for those initiated by FEMA, should be initiated
  by communitys CEO or CEOs designee.
• Map revisions (except error corrections and
  better data) are subject to fees ofPart 72.

42
Section 65.5 Revision to SpecialFlood Hazard
Area Boundaries

• With No Change to BFEs Determinations
• In areas of special flood hazard (exceptV Zones
  and Floodways), it may be feasible to elevate
  areas (structures or parcels of land) with fill
  above the BFE.
• LOMR-Fs are processed under provisions of 65.5.

43
Section 65.5 LOMR-Fs

• For the definition of fill, seeSection 70.1.
  Any alteration of topography since the effective
  date of the first NFIP map (i.e.. FHBM or FIRM)
  showing the property within a SFHA is subject to
  the provisions of Part 65.

44
Section 65.5 LOMR-Fs

• Requester must submit
• Copies of recorded deeds and plat maps.
• Topographic map indicating present ground
  elevations and fill.
• Location of the structure, the lowest floor, and
  the LAG elevation.
• BFE data prepared by authoritative source.
• PE or community certification of fill compaction
  criteria.

45
LOMR-F

• Parts 60 and 65 of the NFIP Regulations require
  that the following be equal to or higher than the
  BFE
• the lowest ground touching the structure and
• the lowest floor (including basement/crawl space).

46
Cross-Sectional View ofa LOMR-F Request
47
Cross-Sectional View ofa LOMR-F Request
48
Section 65.6 Revisions ofBFE Determinations

• Revised hydrologic and hydraulic analyses must
  include evaluation of same recurrence intervals
  studied in effective FIS.
• Analysis should be done with same model used to
  develop effective BFEs, unless
• Alternative hydraulic methodology or
• Original modeling is unavailable or inappropriate.

49
Section 65.6 Revisions ofBFE Determinations

• Hydrologic and hydraulic analysis for flooding
  source without established BFEs may be performed
  for only 100-year flood.
• Revisions based on topographic changes must
  demonstrate that topographic changes have not
  resulted in floodway encroachment.
• Data requirements for map changes are outlined in
  Paragraphs 65.6(b)-(e).

50
Section 65.7 Floodway Revisions

• Provisions for when a community determines that
  there are no practicable alternatives to revising
  the adopted floodway boundaries.

51
Section 65.7 Floodway Revisions

• For floodway revisions with BFE changes
• Meet requirements of Section 65.6.
• Copy of public notice stating intent to revise
  floodway.
• State notification if they have jurisdiction.

52
Section 65.7 Floodway Revisions

• For floodway revisions with BFE changes
• Floodway analysis must use hydraulic model used
  to determine proposed BFEs.
• Neither effective BFE nor proposed BFE, if less
  than effective BFE, can be increased by more than
  1 foot at any point.
• Revised floodway must be delineated on same
  topographic map used for revised floodplain
  boundary.

53
Section 65.7 Floodway Revisions

• For floodway revisions without BFE changes
• Copy of public notice stating intent to revise
  floodway.
• State notification if they have jurisdiction.

54
Section 65.7 Floodway Revisions

• For floodway revisions without BFE changes
• Original hydraulic model used to develop
  effective BFEs must be modified to include all
  encroachments.
• Floodway limits must be set so that combined
  effects of past encroachments and new floodway
  limits do not increase effective BFEs by more
  than 1.0 foot.

55
Section 65.10 Mapping Areas Protected by Levee
Systems

• Design, operation, and maintenance standards.
• Mapping protection afforded by levees.

56
Levee Design Criteria
57
Freeboard Requirements

• Minimum freeboard of 3 feet.
• Additional 1 foot of freeboard is required within
  100 feet of either side of structures.
• Additional 0.5 foot of freeboard is required at
  upstream end of levee, tapering to minimum at
  downstream end of levee.

58
Levee Freeboard Criteria
59
Freeboard Requirements

• Exceptions to minimum riverine freeboard
  requirements MAY be approved.
• For coastal levees, freeboard must be established
  at 1 foot above height of 1 wave or maximum wave
  runup (whichever is greater).

60
Levee Closure Requirements

• All openings must be provided with closure
  devices that are structural parts of system and
  are designed according to standard engineering
  practice.

61
Levee Embankment Protection Requirements

• No appreciable erosion of levee embankment during
  base flood and
• Erosion will not result in failure of levee
  embankment.

62
Interior Drainage Requirements

• Analysis must be submitted that identifies
  interior drainage sources and extent of flooded
  area.
• Analysis must be based on joint probability of
  interior and exterior flooding.

63
Levee Operation Criteria
64
Operation Plans

• Levee Closures and InteriorDrainage Systems
  Operational Plans
• All closure devices or mechanical systems for
  internal drainage must be operated in accordance
  with an officially adopted operation manual.

65
Operation Plans

• Documentation of flood warning system.
• Demonstration that sufficient flood warning time
  exists.

66
Operation Plans

• Formal plan of operation including specific
  actions and assignments.
• Provisions for periodic inspection and operation
  of closures and drainage systems.

67
Levee Maintenance Criteria

• Levee systems must be maintained in accordance
  with an officially adopted maintenance plan.

68
Mapping of AccreditedRiverine Levees
69
Section 65.12
Section 65.12 Revision of FIRMs to Reflect BFEs
Caused by Proposed Encroachments

• Purpose If a community proposes to permit
  encroachments which will cause BFE increases in
  excess of those permitted under Subparagraphs
  60.3(d)(3) or 60.3(c)(10) they must apply for
  conditional approval.

70
Subparagraph 60.3(c)(10)

• Requires until a floodway is designated, that no
  new construction or substantial improvement shall
  be permitted within zones A1-A30 or AE, unless it
  is demonstrated that cumulative effect of
  proposed development, when combined with all
  other existing and proposed development, will not
  increase water surface of base flood by more
  than1 foot at any point in community.

71
Subparagraph 60.3(d)(3)

• Prohibits encroachments within adopted regulatory
  floodway unless it has been demonstrated through
  HH analyses that proposed encroachment would not
  result in any increase in flood levels.

72
Section 66 Consultation With Local Officials

• Purpose
• Establishment of Case File
• Appointment of Consultation Coordination Officer
• Responsibilities for Consultation and Coordination

73
Part 67 Appeals
Part 67 Appeals From Proposed Flood Elevation
Determinations

• Purpose To establish procedures implementing
  the provisions of Section 110 of the Flood
  Disaster Protection Act of 1973.

74
Part 67 Appeals

• What is an appeal/protest?
• When can someone appeal/protest?
• Background
• Right of Appeal
• Basis of Appeal
• Types of Appeals and Protests
• Data Requirements
• Additional Regulations Governing Appeal Process

75
What is an Appeal/Protest?

• Appeal
• A challenge of a proposed BFE.
• Protest
• A challenge of information or data from a
  preliminary FIS or FIRM other than BFEs.

76
When Can Someone Appeal/Protest?
77
Background

• Why did FEMA Develop Appeal/Protest Procedures?
• National Flood Insurance Act of 1968.
• Flood Disaster Protection Act of 1973.
• Relevant NFIP Regulations.

78
Sections 67.5 and 67.6

• Section 67.5 Right of Appeal
• Any owner or lessee of property who believes
  his/her property rights to be adversely affected
  by the proposed flood elevation, may file a
  written appeal of the determination with the CEO
  of the community.
• Section 67.6 Basis of Appeal
• Knowledge or information indicating that the
  elevations proposed by FEMA are scientifically or
  technically incorrect.

79
Types of Appeals

• Scientifically Incorrect BFEs
• Methodology or assumptions are inappropriate or
  incorrect.
• Using a regression equation on a regulated stream
  or in an urbanized area.
• Using steady flow model such as HEC-2 to analyze
  an unsteady flow situation.

80
Types of Appeals

• Technically Incorrect BFEs Insufficient or poor
  quality data analysis contains mathematical or
  measurement errors or physical changes have
  occurred in floodplain.
• Coding errors in models.
• Surveying errors.
• Mathematical errors in HH calculations.

81
Types of Protests

• Errors of omission.
• FIS text errors.
• Mapping errors.

82
Data Requirements

• Must be supported by scientific or technical
  data.
• Data requirements vary depending on the type of
  the appeal/protest.

83
Additional Regulations

• Collection of Appeal Data
• NFIP Regulations Section 67.7
• Appeal Resolution Procedure
• NFIP Regulations Sections 67.8
• Notice of Final Determination
• NFIP Regulations Section 67.11
• Appeal to U.S. District Court
• NFIP Regulations Section 67.12

84
Section 67.7
Collection of Appeal Data

• Appeals by private persons are submitted to CEO
  within 90 days following the second newspaper
  publication.
• The CEO shall review all appeals by private
  persons and issue a written opinion stating
  whether or not the appeal is justifiable.

85
Section 67.8
Appeal Resolution Procedure

• The Administrator is required to review and take
  fully into account any technical or scientific
  data submitted by the community in support of the
  appeal.

86
Section 67.8
Appeal Resolution Procedure

• Appeals are resolved through
• Consultation with officials of the local
  government
• Administrative hearings or
• Submission of the conflicting data to an
  independent scientific body or appropriate
  Federal Agency for advice.

87
Section 67.8
Appeal Resolution Procedure

• Appeal resolutions will be made within a
  reasonable amount of time.
• All information used in the resolution of the
  appeal will be made available for public
  inspection and shall be admissible in a court of
  law if necessary.

88
Section 67.11
Notice of Final Determination

• Published in the FEDERAL REGISTER
• Copies sent to the CEO, all individual
  appellants, and the State Coordinator.

89
Section 67.12
Appeal to U.S. District Court

• An appellant can appeal the appeal resolution to
  the U.S. District Court within 60 days after
  notice of final determination.
• No new data is admissible.

90
Part 70 Procedure forMap Correction

• Purpose To provide procedures for the review of
  scientific or technical submissions from the
  applicant who believes their property has been
  inadvertently included in the SFHA as a result of
  the transposition of the curvilinear line to a
  readily identifiable feature.

91
Part 70 Procedure forMap Correction

• Right to Submit Technical Information
• Review by FEMA
• What is in a LOMA?
• Distribution of LOMAs
• Notice of LOMA
• Premium Refunds
• Review of Proposed Projects

92
Section 70.3
Right to Submit Technical Information

• Any owner or lessee of property who believes
  his/her property has been inadvertently included
  in an SFHA, may submit scientific or technical
  information to FEMA for their review.

93
Section 70.3

• Submitted information may include
• a recorded copy of the plat map or deed
• a copy of the effective FIRM/FBFM indicating the
  location of the property
• the LAG certified by a P.E. or P.L.S.

94
Section 70.3

• Additional information may include
• Topographic mapping
• LAG (including attached decks and garages)
• Mapping showing location of structure and
• Indication of curvilinear line which represents
  area subject to inundation by base flood.

95
LOMA Natural Ground

• Part 70 of the NFIP Regulations requires that the
  lowest ground touching the structure be equal to
  or higher than the BFE.

96
Cross-Sectional View of aLOMA Request
97
Cross-Sectional View of aLOMA Request
98
Section 70.4
Review by the Director

• FEMA is required to notify the applicant in
  writing of the determination within 60 days from
  the date of receipt of the applicants scientific
  or technical information.

99
Section 70.5
Letter of Map Amendment

• Name of the community to which the map to be
  amended was issued
• Map number and
• Identification of the property to be excluded
  from the SFHA.

100
Section 70.6
Distribution of LOMAs

• Applicant
• Community map repository (with instructions that
  it should be attached to the NFIP map to which it
  is amending)

• State map repository
• Community or governmental unit that requests a
  LOMA and
• FEMAs community files.

101
Section 70.7
Notification of LOMAs

• A notice will not be published in the Federal
  Register unless the LOMA includes an alteration
  or change to the BFEs established pursuant to
  Part 67.

102
Section 70.8
Premium Refund

• A Standard Flood Insurance Policyholder whose
  property has become the subject of a LOMA under
  this part may cancel the policy within the
  current policy year and receive a premium refund
  under the conditions set forth in Section 62.5.

103
Section 70.9
Review of Proposed Projects

• An applicant who is proposing to build on a
  portion of a property that is inadvertently
  included in a SFHA may request a Conditional
  Letter of Map Amendment.

104
Part 72
Procedures and Fees for Processing Map Changes

• Purpose To provide administrative and
  cost-recovery procedures for the engineering
  review and administrative processing associated
  with FEMAs response to requests for CLOMAs,
  CLOMRs, CLOMR-Fs, LOMR-Fs, LOMRs, and PMRs.

105
Part 72

• Definitions
• Fee schedules
• Submittal and Payment Procedures

• Exemptions
• Unfavorable Responses
• Re-submittals

106
Section 72.2 Definitions

• Conditional Letter of MapAmendment (CLOMA)
• FEMAs comment on a proposed structure or group
  of structures that upon construction will be
  located on existing natural ground above the BFE.

107
Section 72.2 Definitions

• Conditional Letter of MapRevision (CLOMR)
• FEMAs comment on a proposed project that upon
  construction will affect the hydrologic or
  hydraulic characteristicsof a flooding source.

108
Section 72.2 Definitions

• Conditional Letter of Map Revision Based on Fill
  (CLOMR-F)
• FEMAs comment on a proposed project that upon
  construction will result in a modification of the
  SFHA through the placement of fill outside the
  regulatory floodway.

109
Section 72.2 Definitions

• Letter of Map Revision (LOMR)
• FEMAs modification to an effective FIRM or FBFM,
  or both, based on the implementation of physical
  measures that affect the hydrologic or hydraulic
  characteristics of a flooding source.

110
Section 72.2 Definitions

• Letter of Map Revision basedon Fill (LOMR-F)
• FEMAs modification of the SFHA shown on the FIRM
  based on the placement of fill outside the
  regulatory floodway.

111
Section 72.2 Definitions

• Physical Map Revision (PMR)
• FEMAs revision and republication of an effective
  FIRM, FBFM, or FIS report based on physical
  measures that affect the hydrologic or hydraulic
  characteristicsof a flooding source.

112
Section 72.3 Fee Schedule
Current Procedure Flat Fee
113
Current Fees

114
Current Fees

115
Current Fees
116
Current Fees
Product or Service
User Fee
CLOMRs
Hydrology, Bridge, Culvert,
3,100
Channel, or Combination
Levee,
Berm, or Other Structural
4,000
Measure
1
LOMRs and
CLOMRs for Structural
5,000
Measures on Alluvial Fans
1
Initial Fee
117
Section 72.3 Fee Schedule
118
Section 72.4
Submittal and Payment Procedures and FEMA Response

• FEMA must receive fees before it will begin any
  review. The fees are non-refundable when FEMA
  begins its review.
• For all map revision requests, FEMA will bear the
  cost of reprinting and distributing the revised
  FIRM or FBFM panels.

119
Section 72.4

• For CLOMA, CLOMR-F, LOMA, and LOMR-F requests,
  FEMA shall
• Notify requester community within30 days.
• Provide to the requester and the community,
  within 60 days of the receipt of adequate
  information and fee, a determination letter or
  other written comment.

120
Section 72.4

• For CLOMR, LOMR, and PMR request, FEMA shall
• Notify the requester and the community within 60
  days.
• Provide to the requester and the community,
  within 90 days of the receipt of adequate
  information and fee, a LOMR or CLOMR or other
  written comment.

121
Section 72.5 Exemptions

• Requests for map changes based on mapping or
  analysis errors or effects of natural changes
  within SFHAs.
• Requests for LOMAs.
• If a community funds a revision to add detail to
  a Zone A.
• Federally sponsored projects that are 50
  federally funded.
• Detailed data.

122
Section 72.6 Unfavorable Response

• A request for a CLOMA, CLOMR, or CLOMR-F may be
  denied or the determination may contain specific
  comments, concerns, or conditions regarding a
  proposed project or design and its impacts on
  flood hazards in a community.
• A requester is NOT entitled to any refund.

123
Section 72.6 Unfavorable Response

• A request for a LOMR, LOMR-F, or PMR may be
  denied or the revisions to the FIRM or FBFM may
  not be in the manner or to the extent desired by
  the requester.
• A requester is NOT entitled to any refund.

124
Section 72.7 Resubmittals

• Any resubmittal of a CLOMA, CLOMR, CLOMR-F, LOMR,
  LOMR-F, or PMR request more than 90 days after
  denial or termination of review due to
  insufficient data will be treated as an original
  submission subject to all submittal/payment
  procedures.

125
Conclusion

• You have an general understanding of the NFIP and
  how it works.
• You are comfortable with the commonly used
  terminology.
• You have a general understanding of the NFIP
  regulations.
• You are now a Floodplain Manager!!

126
QUESTIONS
?????????????