Flood Hazard

The FIRM is the basis for floodplain management, mitigation, and insurance activities for the National Flood Insurance Program (NFIP). Insurance applications include enforcement of the mandatory purchase requirement of the Flood Disaster Protection Act, which "... requires the purchase of flood insurance by property owners who are being assisted by Federal programs or by Federally supervised, regulated or insured agencies or institutions in the acquisition or improvement of land facilities" (Section 2 (b) (4) of the Flood Disaster Protection Act of 1973). In addition to the identification of Special Flood Hazard Areas (SFHAs), the risk zones shown on the FIRMs are the basis for the establishment of premium rates for flood coverage offered through the NFIP. The NFHL data present the flood risk information depicted on the FIRM in a digital format suitable for use in electronic mapping applications. The NFHL database is a subset of the information created for the FIS and serves as a means to archive a portion of the information collected during the FIS.