44 CFR Part 65

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Title 44: Emergency Management and Assistance
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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.

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.
§ 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
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(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

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flood elevations, such as community 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.

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(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;
(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.

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[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.
(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.

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(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 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

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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.
(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).
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(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.
(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]

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§ 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.
(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
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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
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above the water-surface 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 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

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(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.
(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.

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(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 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 storminduced 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 crosssectional 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.

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(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;
(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;

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(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

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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.
(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.

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(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
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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.
(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.
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(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:
(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

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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
(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 cost-sharing
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

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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 noncompliance 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
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.

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[62 FR 55717, Oct. 27, 1997]
§ 65.15 List of communities submitting new technical data.

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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.

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(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-on-demand; 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
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manufactured home is located within an identified Special Flood Hazard Area
(SFHA).
(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

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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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