44 CFR Part 65

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PART 65—IDENTIFICATION AND MAPPING OF SPECIAL HAZARD AREAS

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§ 65.1 Purpose of part.
§ 65.2 Definitions.
§ 65.3 Requirement to submit new technical data.
§ 65.4 Right to submit new technical data.
§ 65.5 Revision to special hazard area boundaries with no change to base flood elevation
determinations.
§ 65.6 Revision of base flood elevation determinations.
§ 65.7 Floodway revisions.
§ 65.8 Review of proposed projects.
§ 65.9 Review and response by the Administrator.
§ 65.10 Mapping of areas protected by levee systems.
§ 65.11 Evaluation of sand dunes in mapping coastal flood hazard areas.
§ 65.12 Revision of flood insurance rate maps to reflect base flood elevations caused by
proposed encroachments.
§ 65.13 Mapping and map revisions for areas subject to alluvial fan flooding.
§ 65.14 Remapping of areas for which local flood protection systems no longer provide base
flood protection.
§ 65.15 List of communities submitting new technical data.
§ 65.16 Standard Flood Hazard Determination Form and Instructions.
§ 65.17 Review of determinations.

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Ben's Guide
to U.S.
Government

Authority: 42 U.S.C. 4001 et seq. ; Reorganization Plan No. 3 of 1978, 43 FR 41943, 3 CFR,
1978 Comp., p. 329; E.O. 12127 of Mar. 31, 1979, 44 FR 19367, 3 CFR, 1979 Comp., p. 376.

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§ 65.1 Purpose of part.
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42 U.S.C. 4104 authorizes the Administrator to identify and publish information with respect to all areas
within the United States having special flood, mudslide (i.e., mudflow) and flood-related erosion
hazards. The purpose of this part is to outline the steps a community needs to take in order to assist the
Agency's effort in providing up-to-date identification and publication, in the form of the maps described
in part 64, on special flood, mudslide (i.e., mudflow) and flood-related erosion hazards.
[48 FR 28278, June 21, 1983]

§ 65.2 Definitions.
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(a) Except as otherwise provided in this part, the definitions set forth in part 59 of this subchapter are
applicable to this part.
(b) For the purpose of this part, a certification by a registered professional engineer or other party does
not constitute a warranty or guarantee of performance, expressed or implied. Certification of data is a
statement that the data is accurate to the best of the certifier's knowledge. Certification of analyses is a
statement that the analyses have been performed correctly and in accordance with sound engineering
practices. Certification of structural works is a statement that the works are designed in accordance with
sound engineering practices to provide protection from the base flood. Certification of “as built”
conditions is a statement that the structure(s) has been built according to the plans being certified, is in
place, and is fully functioning.
(c) For the purposes of this part, “reasonably safe from flooding” means base flood waters will not
inundate the land or damage structures to be removed from the SFHA and that any subsurface waters
related to the base flood will not damage existing or proposed buildings.
[51 FR 30313, Aug. 25, 1986, as amended at 66 FR 22442, May 4, 2001]

§ 65.3 Requirement to submit new technical data.
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A community's base flood elevations may increase or decrease resulting from physical changes
affecting flooding conditions. As soon as practicable, but not later than six months after the date such
information becomes available, a community shall notify the Administrator of the changes by submitting
technical or scientific data in accordance with this part. Such a submission is necessary so that upon
confirmation of those physical changes affecting flooding conditions, risk premium rates and flood plain
management requirements will be based upon current data.
[51 FR 30313, Aug. 25, 1986]

§ 65.4 Right to submit new technical data.
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(a) A community has a right to request changes to any of the information shown on an effective map
that does not impact flood plain or floodway delineations or base flood elevations, such as community

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boundary changes, labeling, or planimetric details. Such a submission shall include appropriate
supporting documentation in accordance with this part and may be submitted at any time.
(b) All requests for changes to effective maps, other than those initiatedby FEMA, must be made in
writing by the Chief Executive Officer of the community (CEO) or an official designated by the CEO.
Should the CEO refuse to submit such a request on behalf of another party, FEMA will agree to review
it only if written evidence is provided indicating the CEO or designee has been requested to do so.
(c) Requests for changes to effective Flood Insurance Rate Maps (FIRMs) and Flood Boundary and
Floodway Maps (FBFMs) are subject to the cost recovery procedures described in 44 CFR part 72. As
indicated in part 72, revisions requested to correct mapping errors or errors in the Flood Insurance
Study analysis are not to be subject to the cost-recovery procedures.
[51 FR 30313, Aug. 25, 1986, as amended at 57 FR 29038, June 30, 1992; 61 FR 46331, Aug. 30,
1996; 62 FR 5736, Feb. 6, 1997]
Editorial Note: For references to FR pages showing lists of eligible communities, see the List of CFR
Sections Affected, which appears in the Finding Aids section of the printed volume and on GPO Access.

§ 65.5 Revision to special hazard area boundaries with no change to base flood
elevation determinations.
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(a) Data requirements for topographic changes. In many areas of special flood hazard (excluding V
zones and floodways) it may be feasible to elevate areas with engineered earthen fill above the base
flood elevation. Scientific and technical information to support a request to gain exclusion from an area
of special flood hazard of a structure or parcel of land that has been elevated by the placement of
engineered earthen fill will include the following:
(1) A copy of the recorded deed indicating the legal description of the property and the official
recordation information (deed book volume and page number) and bearing the seal of the appropriate
recordation official ( e.g., County Clerk or Recorder of Deeds).
(2) If the property is recorded on a plat map, a copy of the recorded plat indicating both the location of
the property and the official recordation information (plat book volume and page number) and bearing
the seal of the appropriate recordation official. If the property is not recorded on a plat map, FEMA
requires copies of the tax map or other suitable maps to help in locating the property accurately.
(3) A topographic map or other information indicating existing ground elevations and the date of fill.
FEMA's determination to exclude a legally defined parcel of land or a structure from the area of special
flood hazard will be based upon a comparison of the base flood elevations to the lowest ground
elevation of the parcel or the lowest adjacent grade to the structure. If the lowest ground elevation of the
entire legally defined parcel of land or the lowest adjacent grade to the structure are at or above the
elevations of the base flood, FEMA will exclude the parcel and/or structure from the area of special
flood hazard.
(4) Written assurance by the participating community that they have complied with the appropriate
minimum floodplain management requirements under §60.3. This includes the requirements that:
(i) Existing residential structures built in the SFHA have their lowest floor elevated to or above the base
flood;
(ii) The participating community has determined that the land and any existing or proposed structures to
be removed from the SFHA are “reasonably safe from flooding”, and that they have on file, available
upon request by FEMA, all supporting analyses and documentation used to make that determination;
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(iii) The participating community has issued permits for all existing and proposed construction or other
development; and
(iv) All necessary permits have been received from those governmental agencies where approval is
required by Federal, State, or local law.
(5) If the community cannot assure that it has complied with the appropriate minimum floodplain
management requirements under §60.3, of this chapter, the map revision request will be deferred until
the community remedies all violations to the maximum extent possible through coordination with FEMA.
Once the remedies are in place, and the community assures that the land and structures are
“reasonably safe from flooding,” we will process a revision to the SFHA using the criteria set forth in
§65.5(a). The community must maintain on file, and make available upon request by FEMA, all
supporting analyses and documentation used in determining that the land or structures are “reasonably
safe from flooding.”
(6) Data to substantiate the base flood elevation. If we complete a Flood Insurance Study (FIS), we will
use those data to substantiate the base flood elevation. Otherwise, the community may submit data
provided by an authoritative source, such as the U.S. Army Corps of Engineers, U.S. Geological
Survey, Natural Resources Conservation Service, State and local water resource departments, or
technical data prepared and certified by a registered professional engineer. If base flood elevations
have not previously been established, we may also request hydrologic and hydraulic calculations.
(7) A revision of floodplain delineations based on fill must demonstrate that any such fill does not result
in a floodway encroachment.
(b) New topographic data. A community may also follow the procedures described in paragraphs (a)(1)
through (6) of this section to request a map revision when no physical changes have occurred in the
area of special flood hazard, when no fill has been placed, and when the natural ground elevations are
at or above the elevations of the base flood, where new topographic maps are more detailed or more
accurate than the current map.
(c) Certification requirements. A registered professional engineer or licensed land surveyor must certify
the items required in paragraphs (a)(3) and (6) and (b) of this section. Such certifications are subject to
the provisions under §65.2.
(d) Submission procedures. Submit all requests to the appropriate address serving the community's
geographic area or to the FEMA Headquarters Office in Washington, DC.
[66 FR 22442, May 4, 2001]

§ 65.6 Revision of base flood elevation determinations.
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(a) General conditions and data requirements. (1) The supporting data must include all the information
FEMA needs to review and evaluate the request. This may involve the requestor's performing new
hydrologic and hydraulic analysis and delineation of new flood plain boundaries and floodways, as
necessary.
(2) To avoid discontinuities between the revised and unrevised flood data, the necessary hydrologic and
hydraulic analyses submitted by the map revision requestor must be extensive enough to ensure that a
logical transition can be shown between the revised flood elevations, flood plain boundaries, and
floodways and those developed previously for areas not affected by the revision. Unless it is
demonstrated that it would not be appropriate, the revised and unrevised base flood elevations must
match within one-half foot where such transitions occur.
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(3) Revisions cannot be made based on the effects of proposed projects or future conditions. Section
65.8 of this subchapter contains provisions for obtaining conditional approval of proposed projects that
may effect map changes when they are completed.
(4) The datum and date of releveling of benchmarks, if any, to which the elevations are referenced must
be indicated.
(5) Maps will not be revised when discharges change as a result of the use of an alternative
methodology or data for computing flood discharges unless the change is statistically significant as
measured by a confidence limits analysis of the new discharge estimates.
(6) Any computer program used to perform hydrologic or hydraulic analyses in support of a flood
insurance map revision must meet all of the following criteria:
(i) It must have been reviewed and accepted by a governmental agency responsible for the
implementation of programs for flood control and/or the regulation of flood plain lands. For computer
programs adopted by non-Federal agencies, certification by a responsible agency official must be
provided which states that the program has been reviewed, tested, and accepted by that agency for
purposes of design of flood control structures or flood plain land use regulation.
(ii) It must be well-documented including source codes and user's manuals.
(iii) It must be available to FEMA and all present and future parties impacted by flood insurance
mapping developed or amended through the use of the program. For programs not generally available
from a Federal agency, the source code and user's manuals must be sent to FEMA free of charge, with
fully-documented permission from the owner that FEMA may release the code and user's manuals to
such impacted parties.
(7) A revised hydrologic analysis for flooding sources with established base flood elevations must
include evaluation of the same recurrence interval(s) studied in the effective FIS, such as the 10-, 50-,
100-, and 500-year flood discharges.
(8) A revised hydraulic analysis for a flooding source with established base flood elevations must
include evaluation of the same recurrence interval(s) studied in the effective FIS, such as the 10-, 50-,
100-, and 500-year flood elevations, and of the floodway. Unless the basis of the request is the use of
an alternative hydraulic methodology or the requestor can demonstrate that the data of the original
hydraulic computer model is unavailable or its use is inappropriate, the analysis shall be made using the
same hydraulic computer model used to develop the base flood elevations shown on the effective Flood
Insurance Rate Map and updated to show present conditions in the flood plain. Copies of the input and
output data from the original and revised hydraulic analyses shall be submitted.
(9) A hydrologic or hydraulic analysis for a flooding source without established base flood elevations
may be performed for only the 100-year flood.
(10) A revision of flood plain delineations based on topographic changes must demonstrate that any
topographic changes have not resulted in a floodway encroachment.
(11) Delineations of flood plain boundaries for a flooding source with established base flood elevations
must provide both the 100- and 500-year flood plain boundaries. For flooding sources without
established base flood elevations, only 100-year flood plain boundaries need be submitted. These
boundaries should be shown on a topographic map of suitable scale and contour interval.
(12) If a community or other party seeks recognition from FEMA, on its FHBM or FIRM, that an altered
or relocated portion of a watercourse provides protection from, or mitigates potential hazards of, the
base flood, the Federal Insurance Administrator may request specific documentation from the

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community certifying that, and describing how, the provisions of §60.3(b)(7) of this subchapter will be
met for the particular watercourse involved. This documentation, which may be in the form of a written
statement from the Community Chief Executive Officer, an ordinance, or other legislative action, shall
describe the nature of the maintenance activities to be performed, the frequency with which they will be
performed, and the title of the local community official who will be responsible for assuring that the
maintenance activities are accomplished.
(13) Notwithstanding any other provisions of §65.6, a community may submit, in lieu of the
documentation specified in §65.6(a)(12), certification by a registered professional engineer that the
project has been designed to retain its flood carrying capacity without periodic maintenance.
(14) The participating community must provide written assurance that they have complied with the
appropriate minimum floodplain management requirements under §60.3 of this chapter. This includes
the requirements that:
(i) Existing residential structures built in the SFHA have their lowest floor elevated to or above the base
flood;
(ii) The participating community has determined that the land and any existing or proposed structures to
be removed from the SFHA are “reasonably safe from flooding,” and that they have on file, available
upon request by FEMA, all supporting analyses and documentation used to make that determination;
(iii) The participating community has issued permits for all existing and proposed construction or other
development; and
(iv) All necessary permits have been received from those governmental agencies where approval is
required by Federal, State, or local law.
(15) If the community cannot assure that it has complied with the appropriate minimum floodplain
management requirements under §60.3, of this chapter the map revision request will be deferred until
the community remedies all violations to the maximum extent possible through coordination with FEMA.
Once the remedies are in place, and the community assures that the land and structures are
“reasonably safe from flooding,” we will process a revision to the SFHA using the criteria set forth under
§65.6. The community must maintain on file, and make available upon request by FEMA, all supporting
analyses and documentation used in determining that the land or structures are “reasonably safe from
flooding.”
(b) Data requirements for correcting map errors. To correct errors in the original flood analysis, technical
data submissions shall include the following:
(1) Data identifying mathematical errors.
(2) Data identifying measurement errors and providing correct measurements.
(c) Data requirements for changed physical conditions. Revisions based on the effects of physical
changes that have occurred in the flood plain shall include:
(1) Changes affecting hydrologic conditions. The following data must be submitted:
(i) General description of the changes (e.g., dam, diversion channel, or detention basin).
(ii) Construction plans for as-built conditions, if applicable.
(iii) New hydrologic analysis accounting for the effects of the changes.

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(iv) New hydraulic analysis and profiles using the new flood discharge values resulting from the
hydrologic analysis.
(v) Revised delineations of the flood plain boundaries and floodway.
(2) Changes affecting hydraulic conditions. The following data shall be submitted:
(i) General description of the changes (e.g., channelization or new bridge, culvert, or levee).
(ii) Construction plans for as-built conditions.
(iii) New hydraulic analysis and flood elevation profiles accounting for the effects of the changes and
using the original flood discharge values upon which the original map is based.
(iv) Revised delineations of the flood plain boundaries and floodway.
(3) Changes involving topographic conditions. The following data shall be submitted:
(i) General description of the changes (e.g., grading or filling).
(ii) New topographic information, such as spot elevations, cross sections grading plans, or contour
maps.
(iii) Revised delineations of the flood plain boundaries and, if necessary, floodway.
(d) Data requirements for incorporating improved data. Requests for revisions based on the use of
improved hydrologic, hydraulic, or topographic data shall include the following data:
(1) Data that are believed to be better than those used in the original analysis (such as additional years
of stream gage data).
(2) Documentation of the source of the data.
(3) Explanation as to why the use of the new data will improve the results of the original analysis.
(4) Revised hydrologic analysis where hydrologic data are being incorporated.
(5) Revised hydraulic analysis and flood elevation profiles where new hydrologic or hydraulic data are
being incorporated.
(6) Revised delineations of the flood plain boundaries and floodway where new hydrologic, hydraulic, or
topographic data are being incorporated.
(e) Data requirements for incorporating improved methods. Requests for revisions based on the use of
improved hydrologic or hydraulic methodology shall include the following data:
(1) New hydrologic analysis when an alternative hydrologic methodology is being proposed.
(2) New hydraulic analysis and flood elevation profiles when an alternative hyrologic or hydraulic
methodology is being proposed.
(3) Explanation as to why the alternative methodologies are superior to the original methodologies.

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(4) Revised delineations of the flood plain boundaries and floodway based on the new analysis(es).
(f) Certification requirements. All analysis and data submitted by the requester shall be certified by a
registered professional engineer or licensed land surveyor, as appropriate, subject to the definition of
“certification” given at §65.2 of this subchapter.
(g) Submission procedures. All requests shall be submitted to the FEMA Regional Office servicing the
community's geographic area or to the FEMA Headquarters Office in Washington, DC, and shall be
accompanied by the appropriate payment, in accordance with 44 CFR part 72.
[51 FR 30314, Aug. 25, 1986, as amended at 53 FR 16279, May 6, 1988; 54 FR 33550, Aug. 15, 1989;
61 FR 46331, Aug. 30, 1996; 62 FR 5736, Feb. 6, 1997; 66 FR 22442, May 4, 2001]

§ 65.7 Floodway revisions.
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(a) General. Floodway data is developed as part of FEMA Flood Insurance Studies and is utilized by
communities to select and adopt floodways as part of the flood plain management program required by
§60.3 of this subchapter. When it has been determined by a community that no practicable alternatives
exist to revising the boundaries of its previously adopted floodway, the procedures below shall be
followed.
(b) Data requirements when base flood elevation changes are requested. When a floodway revision is
requested in association with a change to base flood elevations, the data requirements of §65.6 shall
also be applicable. In addition, the following documentation shall be submitted:
(1) Copy of a public notice distributed by the community stating the community's intent to revise the
floodway or a statement by the community that it has notified all affected property owners and affected
adjacent jurisdictions.
(2) Copy of a letter notifying the appropriate State agency of the floodway revision when the State has
jurisdiction over the floodway or its adoption by communities participating in the NFIP.
(3) Documentation of the approval of the revised floodway by the appropriate State agency (for
communities where the State has jurisdiction over the floodway or its adoption by communities
participating in the NFIP).
(4) Engineering analysis for the revised floodway, as described below:
(i) The floodway analysis must be performed using the hydraulic computer model used to determine the
proposed base flood elevations.
(ii) The floodway limits must be set so that neither the effective base flood elevations nor the proposed
base flood elevations if less than the effective base flood elevations, are increased by more than the
amount specified under §60.3 (d)(2). Copies of the input and output data from the original and modified
computer models must be submitted.
(5) Delineation of the revised floodway on the same topographic map used for the delineation of the
revised flood boundaries.
(c) Data requirements for changes not associated with base flood elevation changes. The following data
shall be submitted:
(1) Items described in paragraphs (b) (1) through (3) of this section must be submitted.
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(2) Engineering analysis for the revised floodway, as described below:
(i) The original hydraulic computer model used to develop the established base flood elevations must be
modified to include all encroachments that have occurred in the flood plain since the existing floodway
was developed. If the original hydraulic computer model is not available, an alternate hydraulic
computer model may be used provided the alternate model has been calibrated so as to reproduce the
original water surface profile of the original hydraulic computer model. The alternate model must be
then modified to include all encroachments that have occurred since the existing floodway was
developed.
(ii) The floodway analysis must be performed with the modified computer model using the desired
floodway limits.
(iii) The floodway limits must be set so that combined effects of the past encroachments and the new
floodway limits do not increase the effective base flood elevations by more than the amount specified in
§60.3(d)(2). Copies of the input and output data from the original and modified computer models must
be submitted.
(3) Delineation of the revised floodway on a copy of the effective NFIP map and a suitable topographic
map.
(d) Certification requirements. All analyses submitted shall be certified by a registered professional
engineer. All topographic data shall be certified by a registered professional engineer or licensed land
surveyor. Certifications are subject to the definition given at §65.2 of this subchapter.
(e) Submission procedures. All requests that involve changes to floodways shall be submitted to the
appropriate FEMA Regional Office servicing the community's geographic area.
[51 FR 30315, Aug. 25, 1986]

§ 65.8 Review of proposed projects.
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A community, or an individual through the community, may request FEMA's comments on whether a
proposed project, if built as proposed, would justify a map revision. FEMA's comments will be issued in
the form of a letter, termed a Conditional Letter of Map Revision, in accordance with 44 CFR part 72.
The data required to support such requests are the same as those required for final revisions under
§§65.5, 65.6, and 65.7, except as-built certification is not required. All such requests shall be submitted
to the FEMA Headquarters Office in Washington, DC, and shall be accompanied by the appropriate
payment, in accordance with 44 CFR part 72.
[62 FR 5736, Feb. 6, 1997]

§ 65.9 Review and response by the Administrator.
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If any questions or problems arise during review, FEMA will consult the Chief Executive Officer of the
community (CEO), the community official designated by the CEO, and/or the requester for resolution.
Upon receipt of a revision request, the Federal Insurance Administrator shall mail an acknowledgment
of receipt of such request to the CEO. Within 90 days of receiving the request with all necessary
information, the Federal Insurance Administrator shall notify the CEO of one or more of the following:

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(a) The effective map(s) shall not be modified;
(b) The base flood elevations on the effective FIRM shall be modified and new base flood elevations
shall be established under the provisions of part 67 of this subchapter;
(c) The changes requested are approved and the map(s) amended by Letter of Map Revision (LOMR);
(d) The changes requested are approved and a revised map(s) will be printed and distributed;
(e) The changes requested are not of such a significant nature as to warrant a reissuance or revision of
the flood insurance study or maps and will be deferred until such time as a significant change occurs;
(f) An additional 90 days is required to evaluate the scientific or technical data submitted; or
(g) Additional data are required to support the revision request.
(h) The required payment has not been submitted in accordance with 44 CFR part 72, no review will be
conducted and no determination will be issued until payment is received.
[51 FR 30315, Aug. 25, 1986; 61 FR 46331, Aug. 30, 1996, as amended at 62 FR 5736, Feb. 6, 1997]

§ 65.10 Mapping of areas protected by levee systems.
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(a) General. For purposes of the NFIP, FEMA will only recognize in its flood hazard and risk mapping
effort those levee systems that meet, and continue to meet, minimum design, operation, and
maintenance standards that are consistent with the level of protection sought through the
comprehensive flood plain management criteria established by §60.3 of this subchapter. Accordingly,
this section describes the types of information FEMA needs to recognize, on NFIP maps, that a levee
system provides protection from the base flood. This information must be supplied to FEMA by the
community or other party seeking recognition of such a levee system at the time a flood risk study or
restudy is conducted, when a map revision under the provisions of part 65 of this subchapter is sought
based on a levee system, and upon request by the Federal Insurance Administrator during the review of
previously recognized structures. The FEMA review will be for the sole purpose of establishing
appropriate risk zone determinations for NFIP maps and shall not constitute a determination by FEMA
as to how a structure or system will perform in a flood event.
(b) Design criteria. For levees to be recognized by FEMA, evidence that adequate design and operation
and maintenance systems are in place to provide reasonable assurance that protection from the base
flood exists must be provided. The following requirements must be met:
(1) Freeboard. (i) Riverine levees must provide a minimum freeboard of three feet above the watersurface level of the base flood. An additional one foot above the minimum is required within 100 feet in
either side of structures (such as bridges) riverward of the levee or wherever the flow is constricted. An
additional one-half foot above the minimum at the upstream end of the levee, tapering to not less than
the minimum at the downstream end of the levee, is also required.
(ii) Occasionally, exceptions to the minimum riverine freeboard requirement described in paragraph (b)
(1)(i) of this section, may be approved. Appropriate engineering analyses demonstrating adequate
protection with a lesser freeboard must be submitted to support a request for such an exception. The
material presented must evaluate the uncertainty in the estimated base flood elevation profile and
include, but not necessarily be limited to an assessment of statistical confidence limits of the 100-year
discharge; changes in stage-discharge relationships; and the sources, potential, and magnitude of
debris, sediment, and ice accumulation. It must be also shown that the levee will remain structurally

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stable during the base flood when such additional loading considerations are imposed. Under no
circumstances will freeboard of less than two feet be accepted.
(iii) For coastal levees, the freeboard must be established at one foot above the height of the one
percent wave or the maximum wave runup (whichever is greater) associated with the 100-year stillwater
surge elevation at the site.
(iv) Occasionally, exceptions to the minimum coastal levee freeboard requirement described in
paragraph (b)(1)(iii) of this section, may be approved. Appropriate engineering analyses demonstrating
adequate protection with a lesser freeboard must be submitted to support a request for such an
exception. The material presented must evaluate the uncertainty in the estimated base flood loading
conditions. Particular emphasis must be placed on the effects of wave attack and overtopping on the
stability of the levee. Under no circumstances, however, will a freeboard of less than two feet above the
100-year stillwater surge elevation be accepted.
(2) Closures. All openings must be provided with closure devices that are structural parts of the system
during operation and design according to sound engineering practice.
(3) Embankment protection. Engineering analyses must be submitted that demonstrate that no
appreciable erosion of the levee embankment can be expected during the base flood, as a result of
either currents or waves, and that anticipated erosion will not result in failure of the levee embankment
or foundation directly or indirectly through reduction of the seepage path and subsequent instability. The
factors to be addressed in such analyses include, but are not limited to: Expected flow velocities
(especially in constricted areas); expected wind and wave action; ice loading; impact of debris; slope
protection techniques; duration of flooding at various stages and velocities; embankment and foundation
materials; levee alignment, bends, and transitions; and levee side slopes.
(4) Embankment and foundation stability. Engineering analyses that evaluate levee embankment
stability must be submitted. The analyses provided shall evaluate expected seepage during loading
conditions associated with the base flood and shall demonstrate that seepage into or through the levee
foundation and embankment will not jeopardize embankment or foundation stability. An alternative
analysis demonstrating that the levee is designed and constructed for stability against loading
conditions for Case IV as defined in the U.S. Army Corps of Engineers (COE) manual, “Design and
Construction of Levees” (EM 1110–2–1913, Chapter 6, Section II), may be used. The factors that shall
be addressed in the analyses include: Depth of flooding, duration of flooding, embankment geometry
and length of seepage path at critical locations, embankment and foundation materials, embankment
compaction, penetrations, other design factors affecting seepage (such as drainage layers), and other
design factors affecting embankment and foundation stability (such as berms).
(5) Settlement. Engineering analyses must be submitted that assess the potential and magnitude of
future losses of freeboard as a result of levee settlement and demonstrate that freeboard will be
maintained within the minimum standards set forth in paragraph (b)(1) of this section. This analysis
must address embankment loads, compressibility of embankment soils, compressibility of foundation
soils, age of the levee system, and construction compaction methods. In addition, detailed settlement
analysis using procedures such as those described in the COE manual, “Soil Mechanics Design—
Settlement Analysis” (EM 1100–2–1904) must be submitted.
(6) Interior drainage. An analysis must be submitted that identifies the source(s) of such flooding, the
extent of the flooded area, and, if the average depth is greater than one foot, the water-surface elevation
(s) of the base flood. This analysis must be based on the joint probability of interior and exterior flooding
and the capacity of facilities (such as drainage lines and pumps) for evacuating interior floodwaters.
(7) Other design criteria. In unique situations, such as those where the levee system has relatively high
vulnerability, FEMA may require that other design criteria and analyses be submitted to show that the
levees provide adequate protection. In such situations, sound engineering practice will be the standard
on which FEMA will base its determinations. FEMA will also provide the rationale for requiring this
additional information.

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(c) Operation plans and criteria. For a levee system to be recognized, the operational criteria must be
as described below. All closure devices or mechanical systems for internal drainage, whether manual or
automatic, must be operated in accordance with an officially adopted operation manual, a copy of which
must be provided to FEMA by the operator when levee or drainage system recognition is being sought
or when the manual for a previously recognized system is revised in any manner. All operations must
be under the jurisdiction of a Federal or State agency, an agency created by Federal or State law, or an
agency of a community participating in the NFIP.
(1) Closures. Operation plans for closures must include the following:
(i) Documentation of the flood warning system, under the jurisdiction of Federal, State, or community
officials, that will be used to trigger emergency operation activities and demonstration that sufficient
flood warning time exists for the completed operation of all closure structures, including necessary
sealing, before floodwaters reach the base of the closure.
(ii) A formal plan of operation including specific actions and assignments of responsibility by individual
name or title.
(iii) Provisions for periodic operation, at not less than one-year intervals, of the closure structure for
testing and training purposes.
(2) Interior drainage systems. Interior drainage systems associated with levee systems usually include
storage areas, gravity outlets, pumping stations, or a combination thereof. These drainage systems will
be recognized by FEMA on NFIP maps for flood protection purposes only if the following minimum
criteria are included in the operation plan:
(i) Documentation of the flood warning system, under the jurisdiction of Federal, State, or community
officials, that will be used to trigger emergency operation activities and demonstration that sufficient
flood warning time exists to permit activation of mechanized portions of the drainage system.
(ii) A formal plan of operation including specific actions and assignments of responsibility by individual
name or title.
(iii) Provision for manual backup for the activation of automatic systems.
(iv) Provisions for periodic inspection of interior drainage systems and periodic operation of any
mechanized portions for testing and training purposes. No more than one year shall elapse between
either the inspections or the operations.
(3) Other operation plans and criteria. Other operating plans and criteria may be required by FEMA to
ensure that adequate protection is provided in specific situations. In such cases, sound emergency
management practice will be the standard upon which FEMA determinations will be based.
(d) Maintenance plans and criteria. For levee systems to be recognized as providing protection from the
base flood, the maintenance criteria must be as described herein. Levee systems must be maintained in
accordance with an officially adopted maintenance plan, and a copy of this plan must be provided to
FEMA by the owner of the levee system when recognition is being sought or when the plan for a
previously recognized system is revised in any manner. All maintenance activities must be under the
jurisdiction of a Federal or State agency, an agency created by Federal or State law, or an agency of a
community participating in the NFIP that must assume ultimate responsibility for maintenance. This plan
must document the formal procedure that ensures that the stability, height, and overall integrity of the
levee and its associated structures and systems are maintained. At a minimum, maintenance plans
shall specify the maintenance activities to be performed, the frequency of their performance, and the
person by name or title responsible for their performance.
(e) Certification requirements. Data submitted to support that a given levee system complies with the
structural requirements set forth in paragraphs (b)(1) through (7) of this section must be certified by a
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registered professional engineer. Also, certified as-built plans of the levee must be submitted.
Certifications are subject to the definition given at §65.2 of this subchapter. In lieu of these structural
requirements, a Federal agency with responsibility for levee design may certify that the levee has been
adequately designed and constructed to provide protection against the base flood.
[51 FR 30316, Aug. 25, 1986]

§ 65.11 Evaluation of sand dunes in mapping coastal flood hazard areas.
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(a) General conditions. For purposes of the NFIP, FEMA will consider storm-induced dune erosion
potential in its determination of coastal flood hazards and risk mapping efforts. The criterion to be used
in the evaluation of dune erosion will apply to primary frontal dunes as defined in §59.1, but does not
apply to artificially designed and constructed dunes that are not well-established with long-standing
vegetative cover, such as the placement of sand materials in a dune-like formation.
(b) Evaluation criterion. Primary frontal dunes will not be considered as effective barriers to base flood
storm surges and associated wave action where the cross-sectional area of the primary frontal dune, as
measured perpendicular to the shoreline and above the 100-year stillwater flood elevation and seaward
of the dune crest, is equal to, or less than, 540 square feet.
(c) Exceptions. Exceptions to the evaluation criterion may be granted where it can be demonstrated
through authoritative historical documentation that the primary frontal dunes at a specific site withstood
previous base flood storm surges and associated wave action.
[53 FR 16279, May 6, 1988]

§ 65.12 Revision of flood insurance rate maps to reflect base flood elevations caused by
proposed encroachments.
top
(a) When a community proposes to permit encroachments upon the flood plain when a regulatory
floodway has not been adopted or to permit encroachments upon an adopted regulatory floodway which
will cause base flood elevation increases in excess of those permitted under paragraphs (c)(10) or (d)
(3) of §60.3 of this subchapter, the community shall apply to the Federal Insurance Administrator for
conditional approval of such action prior to permitting the encroachments to occur and shall submit the
following as part of its application:
(1) A request for conditional approval of map change and the appropriate initial fee as specified by
§72.3 of this subchapter or a request for exemption from fees as specified by §72.5 of this subchapter,
whichever is appropriate;
(2) An evaluation of alternatives which would not result in a base flood elevation increase above that
permitted under paragraphs (c)(10) or (d)(3) of §60.3 of this subchapter demonstrating why these
alternatives are not feasible;
(3) Documentation of individual legal notice to all impacted property owners within and outside of the
community, explaining the impact of the proposed action on their property.
(4) Concurrence of the Chief Executive Officer of any other communities impacted by the proposed
actions;

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(5) Certification that no structures are located in areas which would be impacted by the increased base
flood elevation;
(6) A request for revision of base flood elevation determination according to the provisions of §65.6 of
this part;
(7) A request for floodway revision in accordance with the provisions of §65.7 of this part;
(b) Upon receipt of the Federal Insurance Administrator's conditional approval of map change and prior
to approving the proposed encroachments, a community shall provide evidence to the Federal
Insurance Administrator of the adoption of flood plain management ordinances incorporating the
increased base flood elevations and/or revised floodway reflecting the post-project condition.
(c) Upon completion of the proposed encroachments, a community shall provide as-built certifications in
accordance with the provisions of §65.3 of this part. The Federal Insurance Administrator will initiate a
final map revision upon receipt of such certifications in accordance with part 67 of this subchapter.
[53 FR 16279, May 6, 1988]

§ 65.13 Mapping and map revisions for areas subject to alluvial fan flooding.
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This section describes the procedures to be followed and the types of information FEMA needs to
recognize on a NFIP map that a structural flood control measure provides protection from the base flood
in an area subject to alluvial fan flooding. This information must be supplied to FEMA by the community
or other party seeking recognition of such a flood control measure at the time a flood risk study or
restudy is conducted, when a map revision under the provisions of part 65 of this subchapter is sought,
and upon request by the Federal Insurance Administrator during the review of previously recognized
flood control measures. The FEMA review will be for the sole purpose of establishing appropriate risk
zone determinations for NFIP maps and shall not constitute a determination by FEMA as to how the
flood control measure will perform in a flood event.
(a) The applicable provisions of §§65.2, 65.3, 65.4, 65.6, 65.8 and 65.10 shall also apply to FIRM
revisions involving alluvial fan flooding.
(b) The provisions of §65.5 regarding map revisions based on fill and the provisions of part 70 of this
chapter shall not apply to FIRM revisions involving alluvial fan flooding. In general, elevations of a
parcel of land or a structure by fill or other means, will not serve as a basis for removing areas subject
to alluvial fan flooding from an area of special food hazards.
(c) FEMA will credit on NFIP maps only major structural flood control measures whose design and
construction are supported by sound engineering analyses which demonstrate that the measures will
effectively eliminate alluvial fan flood hazards from the area protected by such measures. The provided
analyses must include, but are not necessarily limited to, the following:
(1) Engineering analyses that quantify the discharges and volumes of water, debris, and sediment
movement associated with the flood that has a one-percent probability of being exceeded in any year at
the apex under current watershed conditions and under potential adverse conditions (e.g., deforestation
of the watershed by fire). The potential for debris flow and sediment movement must be assessed using
an engineering method acceptable to FEMA. The assessment should consider the characteristics and
availability of sediment in the drainage basin above the apex and on the alluvial fan.
(2) Engineering analyses showing that the measures will accommodate the estimated peak discharges
and volumes of water, debris, and sediment, as determined in accordance with paragraph (c)(1) of this
section, and will withstand the associated hydrodynamic and hydrostatic forces.
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(3) Engineering analyses showing that the measures have been designed to withstand the potential
erosion and scour associated with estimated discharges.
(4) Engineering analyses or evidence showing that the measures will provide protection from hazards
associated with the possible relocation of flow paths from other parts of the fan.
(5) Engineering analyses that assess the effect of the project on flood hazards, including depth and
velocity of floodwaters and scour and sediment deposition, on other areas of the fan.
(6) Engineering analyses demonstrating that flooding from sources other than the fan apex, including
local runoff, is either insignificant or has been accounted for in the design.
(d) Coordination. FEMA will recognize measures that are adequately designed and constructed,
provided that: evidence is submitted to show that the impact of the measures on flood hazards in all
areas of the fan (including those not protected by the flood control measures), and the design and
maintenance requirements of the measures, were reviewed and approved by the impacted
communities, and also by State and local agencies that have jurisdiction over flood control activities.
(e) Operation and maintenance plans and criteria. The requirements for operation and maintenance of
flood control measures on areas subject to alluvial fan flooding shall be those specified under §65.10,
paragraphs (c) and (d), when applicable.
(f) Certification requirements. Data submitted to support that a given flood control measure complies
with the requirements set forth in paragraphs (c) (1) through (6) of this section must be certified by a
registered professional engineer. Also, certified as-built plans of the flood control measures must be
submitted. Certifications are subject to the definition given at §65.2.
[54 FR 33551, Aug. 15, 1989, as amended at 74 FR 15342, Apr. 3, 2009]

§ 65.14 Remapping of areas for which local flood protection systems no longer provide
base flood protection.
top
(a) General. (1) This section describes the procedures to follow and the types of information FEMA
requires to designate flood control restoration zones. A community may be eligible to apply for this zone
designation if the Federal Insurance Administrator determines that it is engaged in the process of
restoring a flood protection system that was:
(i) Constructed using Federal funds;
(ii) Recognized as providing base flood protection on the community's effective FIRM; and
(iii) Decertified by a Federal agency responsible for flood protection design or construction.
(2) Where the Federal Insurance Administrator determines that a community is in the process of
restoring its flood protection system to provide base flood protection, a FIRM will be prepared that
designates the temporary flood hazard areas as a flood control restoration zone (Zone AR). Existing
special flood hazard areas shown on the community's effective FIRM that are further inundated by Zone
AR flooding shall be designated as a “dual” flood insurance rate zone, Zone AR/AE or AR/AH with Zone
AR base flood elevations, and AE or AH with base flood elevations and Zone AR/AO with Zone AR
base flood elevations and Zone AO with flood depths, or Zone AR/A with Zone AR base flood elevations
and Zone A without base flood elevations.

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(b) Limitations. A community may have a flood control restoration zone designation only once while
restoring a flood protection system. This limitation does not preclude future flood control restoration
zone designations should a fully restored, certified, and accredited system become decertified for a
second or subsequent time.
(1) A community that receives Federal funds for the purpose of designing or constructing, or both, the
restoration project must complete restoration or meet the requirements of 44 CFR 61.12 within a
specified period, not to exceed a maximum of 10 years from the date of submittal of the community's
application for designation of a flood control restoration zone.
(2) A community that does not receive Federal funds for the purpose of constructing the restoration
project must complete restoration within a specified period, not to exceed a maximum of 5 years from
the date of submittal of the community's application for designation of a flood control restoration zone.
Such a community is not eligible for the provisions of §61.12. The designated restoration period may not
be extended beyond the maximum allowable under this limitation.
(c) Exclusions. The provisions of these regulations do not apply in a coastal high hazard area as
defined in 44 CFR 59.1, including areas that would be subject to coastal high hazards as a result of the
decertification of a flood protection system shown on the community's effective FIRM as providing base
flood protection.
(d) Effective date for risk premium rates. The effective date for any risk premium rates established for
Zone AR shall be the effective date of the revised FIRM showing Zone AR designations.
(e) Application and submittal requirements for designation of a flood control restoration zone. A
community must submit a written request to the Federal Insurance Administrator, signed by the
community's Chief Executive Officer, for a flood plain designation as a flood control restoration zone.
The request must include a legislative action by the community requesting the designation. The Federal
Insurance Administrator will not initiate any action to designate flood control restoration zones without
receipt of the formal request from the community that complies with all requirements of this section. The
Federal Insurance Administrator reserves the right to request additional information from the community
to support or further document the community's formal request for designation of a flood control
restoration zone, if deemed necessary.
(1) At a minimum, the request from a community that receives Federal funds for the purpose of
designing, constructing, or both, the restoration project must include:
(i) A statement whether, to the best of the knowledge of the community's Chief Executive Officer, the
flood protection system is currently the subject matter of litigation before any Federal, State or local
court or administrative agency, and if so, the purpose of that litigation;
(ii) A statement whether the community has previously requested a determination with respect to the
same subject matter from the Federal Insurance Administrator, and if so, a statement that details the
disposition of such previous request;
(iii) A statement from the community and certification by a Federal agency responsible for flood
protection design or construction that the existing flood control system shown on the effective FIRM was
originally built using Federal funds, that it no longer provides base flood protection, but that it continues
to provide protection from the flood having at least a 3-percent chance of occurrence during any given
year;
(iv) An official map of the community or legal description, with supporting documentation, that the
community will adopt as part of its flood plain management measures, which designates developed
areas as defined in §59.1 and as further defined in §60.3(f).
(v) A restoration plan to return the system to a level of base flood protection. At a minimum, this plan
must:
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(A) List all important project elements, such as acquisition of permits, approvals, and contracts and
construction schedules of planned features;
(B) Identify anticipated start and completion dates for each element, as well as significant milestones
and dates;
(C) Identify the date on which “as built” drawings and certification for the completed restoration project
will be submitted. This date must provide for a restoration period not to exceed the maximum allowable
restoration period for the flood protection system, or;
(D) Identify the date on which the community will submit a request for a finding of adequate progress
that meets all requirements of §61.12. This date may not exceed the maximum allowable restoration
period for the flood protection system;
(vi) A statement identifying the local project sponsor responsible for restoration of the flood protection
system;
(vii) A copy of a study, performed by a Federal agency responsible for flood protection design or
construction in consultation with the local project sponsor, which demonstrates a Federal interest in
restoration of the system and which deems that the flood protection system is restorable to a level of
base flood protection.
(viii) A joint statement from the Federal agency responsible for flood protection design or construction
involved in restoration of the flood protection system and the local project sponsor certifying that the
design and construction of the flood control system involves Federal funds, and that the restoration of
the flood protection system will provide base flood protection;
(2) At a minimum, the request from a community that receives no Federal funds for the purpose of
constructing the restoration project must:
(i) Meet the requirements of §65.14(e)(1)(i) through (iv);
(ii) Include a restoration plan to return the system to a level of base flood protection. At a minimum, this
plan must:
(A) List all important project elements, such as acquisition of permits, approvals, and contracts and
construction schedules of planned features;
(B) Identify anticipated start and completion dates for each element, as well as significant milestones
and dates; and
(C) Identify the date on which “as built” drawings and certification for the completed restoration project
will be submitted. This date must provide for a restoration period not to exceed the maximum allowable
restoration period for the flood protection system;
(iii) Include a statement identifying the local agency responsible for restoration of the flood protection
system;
(iv) Include a copy of a study, certified by registered Professional Engineer, that demonstrates that the
flood protection system is restorable to provide protection from the base flood;
(v) Include a statement from the local agency responsible for restoration of the flood protection system
certifying that the restored flood protection system will meet the applicable requirements of Part 65; and

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(vi) Include a statement from the local agency responsible for restoration of the flood protection system
that identifies the source of funds for the purpose of constructing the restoration project and a
percentage of the total funds contributed by each source. The statement must demonstrate, at a
minimum, that 100 percent of the total financial project cost of the completed flood protection system
has been appropriated.
(f) Review and response by the Federal Insurance Administrator. The review and response by the
Federal Insurance Administrator shall be in accordance with procedures specified in §65.9.
(g) Requirements for maintaining designation of a flood control restoration zone. During the restoration
period, the community and the cost-sharing Federal agency, if any, must certify annually to the FEMA
Regional Office having jurisdiction that the restoration will be completed in accordance with the
restoration plan within the time period specified by the plan. In addition, the community and the costsharing Federal agency, if any, will update the restoration plan and will identify any permitting or
construction problems that will delay the project completion from the restoration plan previously
submitted to the Federal Insurance Administrator. The FEMA Regional Office having jurisdiction will
make an annual assessment and recommendation to the Federal Insurance Administrator as to the
viability of the restoration plan and will conduct periodic on-site inspections of the flood protection
system under restoration.
(h) Procedures for removing flood control restoration zone designation due to adequate progress or
complete restoration of the flood protection system. At any time during the restoration period:
(1) A community that receives Federal funds for the purpose of designing, constructing, or both, the
restoration project shall provide written evidence of certification from a Federal agency having flood
protection design or construction responsibility that the necessary improvements have been completed
and that the system has been restored to provide protection from the base flood, or submit a request for
a finding of adequate progress that meets all requirements of §61.12. If the Administrator determines
that adequate progress has been made, FEMA will revise the zone designation from a flood control
restoration zone designation to Zone A99.
(2) After the improvements have been completed, certified by a Federal agency as providing base flood
protection, and reviewed by FEMA, FEMA will revise the FIRM to reflect the completed flood control
system.
(3) A community that receives no Federal funds for the purpose of constructing the restoration project
must provide written evidence that the restored flood protection system meets the requirements of Part
65. A community that receives no Federal funds for the purpose of constructing the restoration project is
not eligible for a finding of adequate progress under §61.12.
(4) After the improvements have been completed and reviewed by FEMA, FEMA will revise the FIRM to
reflect the completed flood protection system.
(i) Procedures for removing flood control restoration zone designation due to non-compliance with the
restoration schedule or as a result of a finding that satisfactory progress is not being made to complete
the restoration. At any time during the restoration period, should the Federal Insurance Administrator
determine that the restoration will not be completed in accordance with the time frame specified in the
restoration plan, or that satisfactory progress is not being made to restore the flood protection system to
provide complete flood protection in accordance with the restoration plan, the Federal Insurance
Administrator shall notify the community and the responsible Federal agency, in writing, of the
determination, the reasons for that determination, and that the FIRM will be revised to remove the flood
control restoration zone designation. Within thirty (30) days of such notice, the community may submit
written information that provides assurance that the restoration will be completed in accordance with the
time frame specified in the restoration plan, or that satisfactory progress is being made to restore
complete protection in accordance with the restoration plan, or that, with reasonable certainty, the
restoration will be completed within the maximum allowable restoration period. On the basis of this
information the Federal Insurance Administrator may suspend the decision to revise the FIRM to
remove the flood control restoration zone designation. If the community does not submit any
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information, or if, based on a review of the information submitted, there is sufficient cause to find that
the restoration will not be completed as provided for in the restoration plan, the Federal Insurance
Administrator shall revise the FIRM, in accordance with 44 CFR Part 67, and shall remove the flood
control restoration zone designations and shall redesignate those areas as Zone A1–30, AE, AH, AO, or
A.
[62 FR 55717, Oct. 27, 1997]

§ 65.15 List of communities submitting new technical data.
top
This section provides a cumulative list of communities where modifications of the base flood elevation
determinations have been made because of submission of new scientific or technical data. Due to the
need for expediting the modifications, the revised map is already in effect and the appeal period
commences on or about the effective date of the modified map. An interim rule, followed by a final rule,
will list the revised map effective date, local repository and the name and address of the Chief Executive
Officer of the community. The map(s) is (are) effective for both flood plain management and insurance
purposes.
[51 FR 30317, Aug. 25, 1986. Redesignated at 53 FR 16279, May 6, 1988, and further redesignated at
54 FR 33551, Aug. 15, 1989. Redesignated at 59 FR 53599, Oct. 25, 1994]
Editorial Note: For references to FR pages showing lists of eligible communities, see the List of CFR
Sections Affected, which appears in the Finding Aids section of the printed volume and on GPO Access.

§ 65.16 Standard Flood Hazard Determination Form and Instructions.
top
(a) Section 528 of the National Flood Insurance Reform Act of 1994 (42 U.S.C. 1365(a)) directs FEMA
to develop a standard form for determining, in the case of a loan secured by improved real estate or a
mobile home, whether the building or mobile home is located in an area identified by the Director as an
area having special flood hazards and in which flood insurance under this title is available. The purpose
of the form is to determine whether a building or mobile home is located within an identified Special
Flood Hazard Area (SFHA), whether flood insurance is required, and whether federal flood insurance is
available. Use of this form will ensure that required flood insurance coverage is purchased for structures
located in an SFHA, and will assist federal entities for lending regulation in assuring compliance with
these purchase requirements.
(b) The form is available by written request to Federal Emergency Management Agency, PO Box 2012,
Jessup, MD 20794; ask for the Standard Flood Hazard Determination form. It is also available by fax-ondemand; call (202) 646–3362, form #23103. Finally, the form is available through the Internet at http://
www.fema.gov/nfip/mpurfi.htm.
[63 FR 27857, May 21, 1998]

§ 65.17 Review of determinations.
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This section describes the procedures that shall be followed and the types of information required by
FEMA to review a determination of whether a building or manufactured home is located within an
identified Special Flood Hazard Area (SFHA).

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(a) General conditions. The borrower and lender of a loan secured by improved real estate or a
manufactured home may jointly request that FEMA review a determination that the building or
manufactured home is located in an identified SFHA. Such a request must be submitted within 45 days
of the lender's notification to the borrower that the building or manufactured home is in the SFHA and
that flood insurance is required. Such a request must be submitted jointly by the lender and the
borrower and shall include the required fee and technical information related to the building or
manufactured home. Elevation data will not be considered under the procedures described in this
section.
(b) Data and other requirements. Items required for FEMA's review of a determination shall include the
following:
(1) Payment of the required fee by check or money order, in U.S. funds, payable to the National Flood
Insurance Program;
(2) A request for FEMA's review of the determination, signed by both the borrower and the lender;
(3) A copy of the lender's notification to the borrower that the building or manufactured home is in an
SFHA and that flood insurance is required (the request for review of the determination must be
postmarked within 45 days of borrower notification);
(4) A completed Standard Flood Hazard Determination Form for the building or manufactured home,
together with a legible hard copy of all technical data used in making the determination; and
(5) A copy of the effective NFIP map (Flood Hazard Boundary Map (FHBM) or Flood Insurance Rate
Map (FIRM)) panel for the community in which the building or manufactured home is located, with the
building or manufactured home location indicated. Portions of the map panel may be submitted but shall
include the area of the building or manufactured home in question together with the map panel title
block, including effective date, bar scale, and north arrow.
(c) Review and response by FEMA. Within 45 days after receipt of a request to review a determination,
FEMA will notify the applicants in writing of one of the following:
(1) Request submitted more than 45 days after borrower notification; no review will be performed and all
materials are being returned;
(2) Insufficient information was received to review the determination; therefore, the determination stands
until a complete submittal is received; or
(3) The results of FEMA's review of the determination, which shall include the following:
(i) The name of the NFIP community in which the building or manufactured home is located;
(ii) The property address or other identification of the building or manufactured home to which the
determination applies;
(iii) The NFIP map panel number and effective date upon which the determination is based;
(iv) A statement indicating whether the building or manufactured home is within the Special Flood
Hazard Area;
(v) The time frame during which the determination is effective.
[60 FR 62218, Dec. 5, 1995]

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