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42 U.S.C. § 4015 — Scope of program and priorities
Federal law — U.S. Code and appendices · legal_authorities
**(a) Priority for insurance for certain residential and church properties and business concerns** In carrying out the flood insurance program the Administrator shall afford a priority to making flood insurance available to cover residential properties which are designed for the occupancy of from one to four families, church properties, and business properties which are owned or leased and operated by small business concerns.
**(b) Availability of insurance for other properties** If on the basis of—
(1) studies and investigations undertaken and carried out and information received or exchanged under [section 4014 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section4014&num=0&edition=prelim), and
(2) such other information as may be necessary,
the Administrator determines that it would be feasible to extend the flood insurance program to cover other properties, he may take such action under this chapter as from time to time may be necessary in order to make flood insurance available to cover, on such basis as may be feasible, any types and classes of—
(A) other residential properties not described in subsection (a) or (d),
(B) other business properties,
(C) agricultural properties,
(D) properties occupied by private nonprofit organizations, and
(E) properties owned by State and local governments and agencies thereof,
and any such extensions of the program to any types and classes of these properties shall from time to time be prescribed in regulations.
**(c) Availability of insurance in States or areas evidencing positive interest in securing insurance and assuring adoption of adequate land use and control measures** The Administrator shall make flood insurance available in only those States or areas (or subdivisions thereo
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Stable record: federal_law:legal_authorities:record_usc_5315430943f3417844e8e76e
Source file: Laws/federal/codes/united-states-code/title-42/section-4015-scope-of-program-and-priorities--9b746e5a05.md
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Source location: Title 42, Chapter 50, § 4015; chapter-050-national-flood-insurance.md
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**(a) Priority for insurance for certain residential and church properties and business concerns** In carrying out the flood insurance program the Administrator shall afford a priority to making flood insurance available to cover residential properties which are designed for the occupancy of from one to four families, church properties, and business properties which are owned or leased and operated by small business concerns.
**(b) Availability of insurance for other properties** If on the basis of—
(1) studies and investigations undertaken and carried out and information received or exchanged under [section 4014 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section4014&num=0&edition=prelim), and
(2) such other information as may be necessary,
the Administrator determines that it would be feasible to extend the flood insurance program to cover other properties, he may take such action under this chapter as from time to time may be necessary in order to make flood insurance available to cover, on such basis as may be feasible, any types and classes of—
(A) other residential properties not described in subsection (a) or (d),
(B) other business properties,
(C) agricultural properties,
(D) properties occupied by private nonprofit organizations, and
(E) properties owned by State and local governments and agencies thereof,
and any such extensions of the program to any types and classes of these properties shall from time to time be prescribed in regulations.
**(c) Availability of insurance in States or areas evidencing positive interest in securing insurance and assuring adoption of adequate land use and control measures** The Administrator shall make flood insurance available in only those States or areas (or subdivisions thereof) which he has determined have—
(1) evidenced a positive interest in securing flood insurance coverage under the flood insurance program, and
(2) given satisfactory assurance that by December 31, 1971, adequate land use and control measures will have been adopted for the State or area (or subdivision) which are consistent with the comprehensive criteria for land management and use developed under [section 4102 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section4102&num=0&edition=prelim), and that the application and enforcement of such measures will commence as soon as technical information on floodways and on controlling flood elevations is available.
**(d) Availability of insurance for multifamily properties**
(1) **In general** — The Administrator shall make flood insurance available to cover residential properties of 5 or more residences. Notwithstanding any other provision of law, the maximum coverage amount that the Administrator may make available under this subsection to such residential properties shall be equal to the coverage amount made available to commercial properties.
(2) **Rule of construction** — Nothing in this subsection shall be construed to limit the ability of individuals residing in residential properties of 5 or more residences to obtain insurance for the contents and personal articles located in such residences.
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Federal law — U.S. Code and appendices · legal_authorities
**(a)** There are hereby authorized to be appropriated such sums as may from time to time be necessary to carry out this chapter, including sums—
(1) to cover administrative expenses authorized under [section 4126 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section4126&num=0&edition=prelim);
(2) to reimburse the National Flood Insurance Fund established under [section 4017 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section4017&num=0&edition=prelim) for—
(A) premium equalization payments under [section 4054 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section4054&num=0&edition=prelim) which have been made from such fund; and
(B) reinsurance claims paid under the excess loss reinsurance coverage provided under [section 4055 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section4055&num=0&edition=prelim); and
(3) to make such other payments as may be necessary to carry out the purposes of this chapter.
**(b)** All such funds shall be available without fiscal year limitation.
**(c)** There are authorized to be appropriated such sums as may be necessary through the date specified in [section 4026 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section4026&num=0&edition=prelim), for studies under this chapter.
Source: Supplied U.S. Code snapshot — release unconfirmed · 42 U.S.C. § 4001
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Federal law — U.S. Code and appendices · legal_authorities
**(a) Establishment** There is established a council to be known as the Technical Mapping Advisory Council (in this section referred to as the “Council”).
**(b) Membership**
(1) **In general** — The Council shall consist of—
(A) the Administrator (or the designee thereof);
(B) the Secretary of the Interior (or the designee thereof);
(C) the Secretary of Agriculture (or the designee thereof);
(D) the Under Secretary of Commerce for Oceans and Atmosphere (or the designee thereof); and
(E) 16 additional members appointed by the Administrator or the designee of the Administrator, who shall be—
(i) a member of a recognized professional surveying association or organization;
(ii) a member of a recognized professional mapping association or organization;
(iii) a member of a recognized professional engineering association or organization;
(iv) a member of a recognized professional association or organization representing flood hazard determination firms;
(v) a representative of the United States Geological Survey;
(vi) a representative of a recognized professional association or organization representing State geographic information;
(vii) a representative of State national flood insurance coordination offices;
(viii) a representative of the Corps of Engineers;
(ix) a member of a recognized regional flood and storm water management organization;
(x) 2 representatives of different State government agencies that have entered into cooperating technical partnerships with the Administrator and have demonstrated the capability to produce flood insurance rate maps;
(xi) 2 representatives of different local government agencies that have entered into cooperating technical partnerships with the Administrator and have
Source: Supplied U.S. Code snapshot — release unconfirmed · 42 U.S.C. § 4102
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Federal law — U.S. Code and appendices · legal_authorities
(1) **Sense of Congress** — It is the sense of Congress that the Federal air marshal program is critical to aviation security.
(2) **Limitation on statutory construction** — Nothing in this chapter, including any amendment made by this chapter, shall be construed as preventing the Under Secretary of Transportation for Security from implementing and training Federal air marshals.
Source: Supplied U.S. Code snapshot — release unconfirmed · 6 U.S.C. § 542
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Federal law — U.S. Code and appendices · legal_authorities
**(a) Authorization and establishment** To carry out the purposes of this chapter, the Administrator of the Federal Emergency Management Agency is authorized to establish and carry out a national flood insurance program which will enable interested persons to purchase insurance against loss resulting from physical damage to or loss of real property or personal property related thereto arising from any flood occurring in the United States.
**(b) Additional coverage for compliance with land use and control measures** The national flood insurance program established pursuant to subsection (a) shall enable the purchase of insurance to cover the cost of implementing measures that are consistent with land use and control measures established by the community under [section 4102 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section4102&num=0&edition=prelim) for—
(1) properties that are repetitive loss structures;
(2) properties that are substantially damaged structures;
(3) properties that have sustained flood damage on multiple occasions, if the Administrator determines that it is cost-effective and in the best interests of the National Flood Insurance Fund to require the implementation of such measures; and
(4) properties for which an offer of mitigation assistance is made under—
(A) [section 4104c of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section4104c&num=0&edition=prelim) (Flood Mitigation Assistance Program);
(B) the Hazard Mitigation Grant Program authorized under [section 5170c of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section5170c&num=0&edition=prelim);
(C) the Predisaster Hazard Mitigation Program under [section 5133 of this title](ht
Source: Supplied U.S. Code snapshot — release unconfirmed · 42 U.S.C. § 4014
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Federal law — U.S. Code and appendices · legal_authorities
**(a) Necessity and reasons for flood insurance program** The Congress finds that (1) from time to time flood disasters have created personal hardships and economic distress which have required unforeseen disaster relief measures and have placed an increasing burden on the Nation’s resources; (2) despite the installation of preventive and protective works and the adoption of other public programs designed to reduce losses caused by flood damage, these methods have not been sufficient to protect adequately against growing exposure to future flood losses; (3) as a matter of national policy, a reasonable method of sharing the risk of flood losses is through a program of flood insurance which can complement and encourage preventive and protective measures; and (4) if such a program is initiated and carried out gradually, it can be expanded as knowledge is gained and experience is appraised, thus eventually making flood insurance coverage available on reasonable terms and conditions to persons who have need for such protection.
**(b) Participation of Federal Government in flood insurance program carried out by private insurance industry** The Congress also finds that (1) many factors have made it uneconomic for the private insurance industry alone to make flood insurance available to those in need of such protection on reasonable terms and conditions; but (2) a program of flood insurance with large-scale participation of the Federal Government and carried out to the maximum extent practicable by the private insurance industry is feasible and can be initiated.
**(c) Unified national program for flood plain management** The Congress further finds that (1) a program of flood insurance can promote the public interest by providing appropriate protection against the perils of fl
Source: Supplied U.S. Code snapshot — release unconfirmed · 42 U.S.C. § 4011
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Federal law — U.S. Code and appendices · legal_authorities
**(a) Regulations respecting general terms and conditions of insurability** The Administrator shall from time to time, after consultation with the advisory committee authorized under [section 4025 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section4025&num=0&edition=prelim), appropriate representatives of the pool formed or otherwise created under [section 4051 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section4051&num=0&edition=prelim), and appropriate representatives of the insurance authorities of the respective States, provide by regulation for general terms and conditions of insurability which shall be applicable to properties eligible for flood insurance coverage under [section 4012 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section4012&num=0&edition=prelim), including—
(1) the types, classes, and locations of any such properties which shall be eligible for flood insurance;
(2) the nature and limits of loss or damage in any areas (or subdivisions thereof) which may be covered by such insurance;
(3) the classification, limitation, and rejection of any risks which may be advisable;
(4) appropriate minimum premiums;
(5) appropriate loss-deductibles; and
(6) any other terms and conditions relating to insurance coverage or exclusion which may be necessary to carry out the purposes of this chapter.
**(b) Regulations respecting amount of coverage** In addition to any other terms and conditions under subsection (a), such regulations shall provide that—
(1) any flood insurance coverage based on chargeable premium rates under [section 4015 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section4015&num=0&editio
Source: Supplied U.S. Code snapshot — release unconfirmed · 42 U.S.C. § 4016
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Federal law — U.S. Code and appendices · legal_authorities
The Administrator shall from time to time take such action as may be necessary in order to make information and data available to the public, and to any State or local agency or official, with regard to—
(1) the flood insurance program, its coverage and objectives, and
(2) estimated and chargeable flood insurance premium rates, including the basis for and differences between such rates in accordance with the provisions of [section 4015 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section4015&num=0&edition=prelim).
Source: Supplied U.S. Code snapshot — release unconfirmed · 42 U.S.C. § 4025
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Federal law — U.S. Code and appendices · legal_authorities
**(a) Requirement for participation in flood insurance program**
(1) **In general** — After December 31, 1971, no new flood insurance coverage shall be provided under this chapter in any area (or subdivision thereof) unless an appropriate public body shall have adopted adequate land use and control measures (with effective enforcement provisions) which the Administrator finds are consistent with the comprehensive criteria for land management and use under [section 4102 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section4102&num=0&edition=prelim).
(2) **Agricultural structures**
(A) *Activity restrictions* — Notwithstanding any other provision of law, the adequate land use and control measures required to be adopted in an area (or subdivision thereof) pursuant to paragraph (1) may provide, at the discretion of the appropriate State or local authority, for the repair and restoration to predamaged conditions of an agricultural structure that—
(i) is a repetitive loss structure; or
(ii) has incurred flood-related damage to the extent that the cost of restoring the structure to its predamaged condition would equal or exceed 50 percent of the market value of the structure before the damage occurred.
(B) *Premium rates and coverage* — To the extent applicable, an agricultural structure repaired or restored pursuant to subparagraph (A) shall pay chargeable premium rates established under [section 4015 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section4015&num=0&edition=prelim) at the estimated risk premium rates under [section 4014(a)(1) of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section4014/a/1&num=0&edition=prelim). If resources are avail
Source: Supplied U.S. Code snapshot — release unconfirmed · 42 U.S.C. § 4027
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Federal law — U.S. Code and appendices · legal_authorities
**(a)** The Administrator, on such terms and conditions as he may from time to time prescribe, shall make periodic payments to the pool formed or otherwise created under [section 4051 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section4051&num=0&edition=prelim), in recognition of such reductions in chargeable premium rates under [section 4015 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section4015&num=0&edition=prelim) below estimated premium rates under [section 4014(a)(1) of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section4014/a/1&num=0&edition=prelim) as are required in order to make flood insurance available on reasonable terms and conditions.
**(b)** Designated periods under this section and the methods for determining the sum of premiums paid or payable during such periods shall be established by the Administrator.
Source: Supplied U.S. Code snapshot — release unconfirmed · 42 U.S.C. § 4081
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Federal law — U.S. Code and appendices · legal_authorities
Page 6026
TITLE 42—THE PUBLIC HEALTH AND WELFARE
§ 4015
4014(a)(1)(B)(iii) shall be collected only if provided in
advance in appropriations acts.’’
STUDY
OF ECONOMIC EFFECTS
OF CHARGING ACTUARI-
ALLY BASED PREMIUM RATES FOR PRE-FIRM STRUC-
TURES
Pub. L. 103–325, title V, § 578, Sept. 23, 1994, 108 Stat.
2284, required the Director of the Federal Emergency
Management Agency to conduct a study of the eco-
nomic effects that would result from increasing pre-
mium rates for flood insurance coverage for pre-FIRM
structures and submit a report to Congress no later
than 12 months after Sept. 23, 1994.
SEA LEVEL RISE STUDY
Pub. L. 101–137, § 5, Nov. 3, 1989, 103 Stat. 825, directed
Director of Federal Emergency Management Agency to
conduct a study to determine the impact of relative sea
level rise on the flood insurance rate maps, such study
also to project the economic losses associated with es-
timated sea level rise and aggregate such data for the
United States as a whole and by region, with Director
to report results of study to Congress not later than
one year after Nov. 3, 1989.
§ 4015. Chargeable premium rates
(a) Establishment; terms and conditions
On the basis of estimates made under section
4014 of this title, and such other information as
may be necessary, the Administrator shall from
time to time prescribe, after providing notice—
(1) chargeable premium rates for any types
and classes of properties for which insurance
coverage shall be available under section 4012
of this title (at less than the estimated risk
premium rates under section 4014(a)(1) of this
title, where necessary), and
(2) the terms and conditions under which,
and the areas (including subdivisions thereof)
within which, such rates shall apply.
(b) Considerations for rate
Source: Supplied 2024 U.S. Code historical extraction · 42 U.S.C. § 4015
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