{"data":{"id":"us/44-cfr-59.3","jurisdiction":"us","citation":"44 CFR 59.3","heading":"Emergency program.","body":"The 1968 Act required a risk study to be undertaken for each community before it could become eligible for the sale of flood insurance. Since this requirement resulted in a delay in providing insurance, the Congress, in section 408 of the Housing and Urban Development Act of 1969 (Pub. L. 91-152, December 24, 1969), established an Emergency Flood Insurance Program as a new section 1336 of the National Flood Insurance Act (42 U.S.C. 4056) to permit the early sale of insurance in flood-prone communities. The emergency program does not affect the requirement that a community must adopt adequate flood plain management regulations pursuant to part 60 of this subchapter but permits insurance to be sold before a study is conducted to determine risk premium rates for the community. The program still requires upon the effective date of a FIRM the charging of risk premium rates for all new construction and substantial improvements and for higher limits of coverage for existing structures.","path":["Title 44—Emergency Management and Assistance","CHAPTER I—FEDERAL EMERGENCY MANAGEMENT AGENCY, DEPARTMENT OF HOMELAND SECURITY","SUBCHAPTER B—INSURANCE AND HAZARD MITIGATION","PART 59—GENERAL PROVISIONS","Subpart A—General"],"source_url":"https://www.ecfr.gov/api/versioner/v1/full/2026-08-25/title-44.xml","current_through":"2026-08-25","vintage":"","retrieved_at":"2026-08-27T02:26:15Z","sha256":"f8dcc3c740c62f6fc13ca244b1d82ea23807cb5d3c00d1c6c239bfdd0ce2b3a4","source_id":"us-cfr","stale":true,"prev":"us/44-cfr-59.2","next":"us/44-cfr-59.4"},"notice":"GroundRules: Original legal text. Not legal advice."}