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42 U.S.C. § 4022 — State and local land use controls

Federal law — U.S. Code and appendices · legal_authorities

42 U.S.C. § 4022 — State and local land use controls

Page 6038 TITLE 42—THE PUBLIC HEALTH AND WELFARE § 4022 resentatives of the national flood insurance pro- gram who participate in the appeals process es- tablished under section 205 of the Bunning-Be- reuter-Blumenauer Flood Insurance Reform Act of 2004 (42 U.S.C. 4011 note). (Pub. L. 90–448, title XIII, § 1314, as added Pub. L. 112–141, div. F, title II, § 100223, July 6, 2012, 126 Stat. 934.) Editorial Notes REFERENCES IN TEXT This chapter, referred to in subsecs. (a), (f)(2)(B), and (g), was in the original a reference to ‘‘this title’’ mean- ing title XIII of Pub. L. 90–448, Aug. 1, 1968, 82 Stat. 572, known as the National Flood Insurance Act of 1968, which is classified principally to this chapter. For com- plete classification of this Act to the Code, see Short Title note set out under section 4001 of this title and Tables. Section 205 of the Bunning-Bereuter-Blumenauer Flood Insurance Reform Act of 2004, referred to in sub- secs. (i)(2) and (j), is section 205 of Pub. L. 108–264, which is set out in a note under section 4011 of this title. PRIOR PROVISIONS A prior section 4021, Pub. L. 90–448, title XIII, § 1314, Aug. 1, 1968, 82 Stat. 579, which denied Federal disaster assistance after Dec. 31, 1973, to persons who for a pe- riod of a year or more could have purchased flood insur- ance but did not do so, and defined ‘‘Federal disaster assistance’’ and ‘‘financial assistance’’, was repealed by Pub. L. 93–234, title II, § 203, Dec. 31, 1973, 87 Stat. 982. § 4022. State and local land use controls (a) Requirement for participation in flood insur- ance program (1) In general After December 31, 1971, no new flood insur- ance coverage shall be provided under this chapter in any area (or subdivision thereof) unless an appropriate public body

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Page 6038 TITLE 42—THE PUBLIC HEALTH AND WELFARE § 4022 resentatives of the national flood insurance pro- gram who participate in the appeals process es- tablished under section 205 of the Bunning-Be- reuter-Blumenauer Flood Insurance Reform Act of 2004 (42 U.S.C. 4011 note). (Pub. L. 90–448, title XIII, § 1314, as added Pub. L. 112–141, div. F, title II, § 100223, July 6, 2012, 126 Stat. 934.) Editorial Notes REFERENCES IN TEXT This chapter, referred to in subsecs. (a), (f)(2)(B), and (g), was in the original a reference to ‘‘this title’’ mean- ing title XIII of Pub. L. 90–448, Aug. 1, 1968, 82 Stat. 572, known as the National Flood Insurance Act of 1968, which is classified principally to this chapter. For com- plete classification of this Act to the Code, see Short Title note set out under section 4001 of this title and Tables. Section 205 of the Bunning-Bereuter-Blumenauer Flood Insurance Reform Act of 2004, referred to in sub- secs. (i)(2) and (j), is section 205 of Pub. L. 108–264, which is set out in a note under section 4011 of this title. PRIOR PROVISIONS A prior section 4021, Pub. L. 90–448, title XIII, § 1314, Aug. 1, 1968, 82 Stat. 579, which denied Federal disaster assistance after Dec. 31, 1973, to persons who for a pe- riod of a year or more could have purchased flood insur- ance but did not do so, and defined ‘‘Federal disaster assistance’’ and ‘‘financial assistance’’, was repealed by Pub. L. 93–234, title II, § 203, Dec. 31, 1973, 87 Stat. 982. § 4022. State and local land use controls (a) Requirement for participation in flood insur- ance program (1) In general After December 31, 1971, no new flood insur- ance 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 meas- ures (with effective enforcement provisions) which the Administrator finds are consistent with the comprehensive criteria for land man- agement and use under section 4102 of this title. (2) Agricultural structures (A) Activity restrictions Notwithstanding any other provision of law, the adequate land use and control meas- ures required to be adopted in an area (or subdivision thereof) pursuant to paragraph (1) may provide, at the discretion of the ap- propriate State or local authority, for the repair and restoration to predamaged condi- tions 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 pre- mium rates established under section 4015 of this title at the estimated risk premium rates under section 4014(a)(1) of this title. If resources are available, the Administrator shall provide technical assistance and coun- seling, upon request of the owner of the structure, regarding wet flood-proofing and other flood damage reduction measures for agricultural structures. The Administrator shall not be required to make flood insur- ance coverage available for such an agricul- tural structure unless the structure is wet flood-proofed through permanent or contin- gent measures applied to the structure or its contents that prevent or provide resistance to damage from flooding by allowing flood waters to pass through the structure, as de- termined by the Administrator. (C) Prohibition on disaster relief Notwithstanding any other provision of law, any agricultural structure repaired or restored pursuant to subparagraph (A) shall not be eligible for disaster relief assistance under any program administered by the Ad- ministrator or any other Federal agency. (D) Definitions For purposes of this paragraph— (i) the term ‘‘agricultural structure’’ means any structure used exclusively in connection with the production, har- vesting, storage, raising, or drying of agri- cultural commodities; and (ii) the term ‘‘agricultural commodities’’ means agricultural commodities and live- stock. (b) Community rating system and incentives for community floodplain management (1) Authority and goals The Administrator shall carry out a commu- nity rating system program, under which com- munities participate voluntarily— (A) to provide incentives for measures that reduce the risk of flood or erosion damage that exceed the criteria set forth in section 4102 of this title and evaluate such measures; (B) to encourage adoption of more effec- tive measures that protect natural and bene- ficial floodplain functions; (C) to encourage floodplain and erosion management; and (D) to promote the reduction of Federal flood insurance losses. (2) Incentives The program shall provide incentives in the form of credits on premium rates for flood in- surance coverage in communities that the Ad- ministrator determines have adopted and en- forced measures that reduce the risk of flood and erosion damage that exceed the criteria set forth in section 4102 of this title. In pro- viding incentives under this paragraph, the Administrator may provide for credits to flood insurance premium rates in communities that the Administrator determines have imple- mented measures that protect natural and beneficial floodplain functions. (3) Credits The credits on premium rates for flood in- surance coverage shall be based on the esti- Page 6039 TITLE 42—THE PUBLIC HEALTH AND WELFARE § 4023 mated reduction in flood and erosion damage risks resulting from the measures adopted by the community under this program. If a com- munity has received mitigation assistance under section 4104c of this title, the credits shall be phased in a manner, determined by the Administrator, to recover the amount of such assistance provided for the community. (4) Reports Not later than 2 years after September 23, 1994, and not less than every 2 years there- after, the Administrator shall submit a report to the Congress regarding the program under this subsection. Each report shall include an analysis of the cost-effectiveness of the pro- gram, any other accomplishments or short- comings of the program, and any recommenda- tions of the Administrator for legislation re- garding the program. (c) Replacement of mobile homes on original sites (1) Community participation The placement of any mobile home on any site shall not affect the eligibility of any com- munity to participate in the flood insurance program under this chapter and the Flood Dis- aster Protection Act of 1973 (notwithstanding that such placement may fail to comply with any elevation or flood damage mitigation re- quirements), if— (A) such mobile home was previously lo- cated on such site; (B) such mobile home was relocated from such site because of flooding that threatened or affected such site; and (C) such replacement is conducted not later than the expiration of the 180-day pe- riod that begins upon the subsidence (in the area of such site) of the body of water that flooded to a level considered lower than flood levels. (2) Definition For purposes of this subsection, the term ‘‘mobile home’’ has the meaning given such term in the law of the State in which the mo- bile home is located. (Pub. L. 90–448, title XIII, § 1315, Aug. 1, 1968, 82 Stat. 580; Pub. L. 91–152, title IV, § 410(b), Dec. 24, 1969, 83 Stat. 397; Pub. L. 98–181, title I [title IV, § 451(d)(1)], Nov. 30, 1983, 97 Stat. 1229; Pub. L. 103–325, title V, §§ 541, 580, Sept. 23, 1994, 108 Stat. 2268, 2285; Pub. L. 108–264, title I, § 108, June 30, 2004, 118 Stat. 724; Pub. L. 112–141, div. F, title II, § 100238(b)(1), July 6, 2012, 126 Stat. 958.) Editorial Notes REFERENCES IN TEXT This chapter, referred to in subsecs. (a)(1) and (c)(1), was in the original a reference to ‘‘this title’’ meaning title XIII of Pub. L. 90–448, Aug. 1, 1968, 82 Stat. 572, known as the National Flood Insurance Act of 1968, which is classified principally to this chapter. For com- plete classification of this Act to the Code, see Short Title note set out under section 4001 of this title and Tables. The Flood Disaster Protection Act of 1973, referred to in subsec. (c)(1), is Pub. L. 93–234, Dec. 31, 1973, 87 Stat. 975. For complete classification of this Act to the Code, see Short Title of 1973 Amendment note set out under section 4001 of this title and Tables. AMENDMENTS 2012—Subsecs. (a)(1), (2)(B), (C), (b). Pub. L. 112–141 substituted ‘‘Administrator’’ for ‘‘Director’’ wherever appearing. 2004—Subsec. (c). Pub. L. 108–264 added subsec. (c). 1994—Subsec. (a)(1). Pub. L. 103–325, § 541(1), des- ignated existing provisions as subsec. (a)(1) and in- serted headings. Subsec. (a)(2). Pub. L. 103–325, § 580, added par. (2). Subsec. (b). Pub. L. 103–325, § 541(2), added subsec. (b). 1983—Pub. L. 98–181 substituted ‘‘Director’’ for ‘‘Sec- retary’’. 1969—Pub. L. 91–152 substituted provisions prohibiting new flood insurance coverage after Dec. 31, 1971, unless adequate land use measures have been adopted, for pro- visions prohibiting such coverage after June 30, 1970, unless permanent land use measures have been adopted. Statutory Notes and Related Subsidiaries EFFECTIVE DATE Section effective 120 days following Aug. 1, 1968, or such later date prescribed by the Secretary but in no event more than 180 days following Aug. 1, 1968, see sec- tion 1377 of Pub. L. 90–448, set out as a note under sec- tion 4001 of this title. TRANSFER OF FUNCTIONS For transfer of all functions, personnel, assets, com- ponents, authorities, grant programs, and liabilities of the Federal Emergency Management Agency, including the functions of the Under Secretary for Federal Emer- gency Management relating thereto, to the Federal Emergency Management Agency, see section 315(a)(1) of Title 6, Domestic Security. For transfer of functions, personnel, assets, and li- abilities of the Federal Emergency Management Agen- cy, including the functions of the Director of the Fed- eral Emergency Management Agency relating thereto, to the Secretary of Homeland Security, and for treat- ment of related references, see former section 313(1) and sections 551(d), 552(d), and 557 of Title 6, Domestic Secu- rity, and the Department of Homeland Security Reor- ganization Plan of November 25, 2002, as modified, set out as a note under section 542 of Title 6. § 4023. Properties in violation of State and local law No new flood insurance coverage shall be pro- vided under this chapter for any property which the Administrator finds has been declared by a duly constituted State or local zoning author- ity, or other authorized public body, to be in violation of State or local laws, regulations, or ordinances which are intended to discourage or otherwise restrict land development or occu- pancy in flood-prone areas. (Pub. L. 90–448, title XIII, § 1316, Aug. 1, 1968, 82 Stat. 580; Pub. L. 98–181, title I [title IV, § 451(d)(1)], Nov. 30, 1983, 97 Stat. 1229; Pub. L. 112–141, div. F, title II, § 100238(b)(1), July 6, 2012, 126 Stat. 958.) Editorial Notes REFERENCES IN TEXT This chapter, referred to in text, was in the original a reference to ‘‘this title’’ meaning title XIII of Pub. L. 90–448, Aug. 1, 1968, 82 Stat. 572, known as the National Flood Insurance Act of 1968, which is classified prin- cipally to this chapter. For complete classification of this Act to the Code, see Short Title note set out under section 4001 of this title and Tables.

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Federal law — U.S. Code and appendices · legal_authorities

42 U.S.C. § 4011 — Congressional findings and declaration of purpose

**(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

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Federal law — U.S. Code and appendices · legal_authorities

42 U.S.C. § 4011 — Authorization to establish and carry out

Page 6006 TITLE 42—THE PUBLIC HEALTH AND WELFARE § 4005 1 See References in Text note below. flood having a 0.2-percent chance of being equaled or exceeded in any given year. (3) Administrator The term ‘‘Administrator’’ means the Ad- ministrator of the Federal Emergency Man- agement Agency. (4) National Flood Insurance Program The term ‘‘National Flood Insurance Pro- gram’’ means the program established under the National Flood Insurance Act of 1968 (42 U.S.C. 4011 et seq.). (5) Write Your Own The term ‘‘Write Your Own’’ means the co- operative undertaking between the insurance industry and the Federal Insurance Adminis- tration which allows participating property and casualty insurance companies to write and service standard flood insurance policies. (b) Common terminology Except as otherwise provided in this subtitle, any terms used in this subtitle shall have the meaning given to such terms under section 1370 of the National Flood Insurance Act of 1968 (42 U.S.C. 4121). (Pub. L. 112–141, div. F, title II, § 100202, July 6, 2012, 126 Stat. 916.) Editorial Notes REFERENCES IN TEXT This subtitle, referred to in subsecs. (a) and (b), is subtitle A (§§ 100201–100249) of title II of div. F of Pub. L. 112–141, July 6, 2012, 126 Stat. 916, known as the Biggert-Waters Flood Insurance Reform Act of 2012. For complete classification of this subtitle to the Code, see Short Title of 2012 Amendment note set out under section 4001 of this title and Tables. The National Flood Insurance Act of 1968, referred to in subsec. (a)(4), is title XIII of Pub. L. 90–448, Aug. 1, 1968, 82 Stat. 572, which is classified principally to this chapter. For complete classification of this Act to the Code, see Short Title note set out under section 4001 of this titl

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Federal law — U.S. Code and appendices · legal_authorities

42 U.S.C. § 4022 — Reserve Fund

**(a) Establishment of Reserve Fund** In carrying out the flood insurance program authorized by this subchapter, the Administrator shall establish in the Treasury of the United States a National Flood Insurance Reserve Fund (in this section referred to as the “Reserve Fund”) which shall— (1) be an account separate from any other accounts or funds available to the Administrator; and (2) be available for meeting the expected future obligations of the flood insurance program, including— (A) the payment of claims; (B) claims adjustment expenses; and (C) the repayment of amounts outstanding under any note or other obligation issued by the Administrator under [section 4016(a) of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section4016/a&num=0&edition=prelim). **(b) Reserve ratio** Subject to the phase-in requirements under subsection (d), the Reserve Fund shall maintain a balance equal to— (1) 1 percent of the sum of the total potential loss exposure of all outstanding flood insurance policies in force in the prior fiscal year; or (2) such higher percentage as the Administrator determines to be appropriate, taking into consideration any circumstance that may raise a significant risk of substantial future losses to the Reserve Fund. **(c) Maintenance of reserve ratio** (1) **In general** — The Administrator shall have the authority to establish, increase, or decrease the amount of aggregate annual insurance premiums to be collected for any fiscal year necessary— (A) to maintain the reserve ratio required under subsection (b); and (B) to achieve such reserve ratio, if the actual balance of such reserve is below the amount required under subsection (b). (2) **Considerations** — In exercising the authority granted under p

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