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 appearing in the Finding Aids section of this volume.

§ 65.16 Standard Flood Hazard Determination Form and instructions. Section 528 of the National Flood Insurance Reform Act of 1994 (42 U.S.C. 1365(a)) directs that FEMA shall 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. The Standard Flood Hazard Determination Form and accompanying instructions are found in Appendix A to this Part. [60 FR 35281, July 6, 1995]

§ 65.17 Review of determinations.

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 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 build

ing 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 manu

factured 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]

Standard Flood Hazard Determination Form Instructions

Paperwork Burden Disclosure Notice Public reporting burden for FEMA Form 81-93 is estimated to average 20 minutes per response. The burden estimate includes the time for reviewing instructions, searching existing data sources, gathering and maintaining the data needed, and completing and reviewing the form. Send comments regarding the accuracy of the burden estimate and any suggestions for reducing the burden to: Information Collections Management, Federal Emergency Management Agency, 500 C Street, SW, Washington, DC 20472; and to the Office of Management and Budget, Paperwork Reduction Project (30676-0264), Washington, DC 20503.

NOTE: The 1-800 number referred to in these instructions is not available as of June 1995. FEMA is in the process of establishing this service and will have this number in place by December 1995. A notice will be published in the FEDERAL REGISTER announcing this service. In the meantime, community status information can be obtained by faxing a request to (202) 646-3445. Mapping information can be obtained by faxing a request to (202) 646-4596.

Section I

1. Lender Name and Address: Enter lender name and address.

2. Collateral (Building/Mobile Home/Personal Property) Property Address: Enter property address for the insurable collateral. In rural areas, a postal address may not be sufficient to locate the property. In these cases, legal property descriptions may be used and may be attached to the form if space provided is insufficient.

3. Lender Id. No.: The lender funding the loan should identify itself as follows: FDICinsured lenders should indicate their FDIC Insurance Certificate Number; Federally-insured credit unions should indicate their charter/insurance number; Farm Credit institutions should indicate their UNINUM number. Other lenders who fund loans sold to or securitized by FNMA or FHLMC should enter the FNMA or FHLMC seller/servicer number.

4. Loan Identifier: Optional. May be used by lenders to conform with their individual method of identifying loans.

5. Amount of Flood Insurance Required: Optional. The minimum federal requirement for this amount is the lesser of: the outstanding principal loan balance; the value of the improved property, mobile home and/or personal property used to secure the loan; or the maximum statutory limit of flood insurance coverage. Lenders may exceed the minimum federal requirements. National Flood Insurance Program (NFIP) policies do not

provide coverage in excess of the value of the building/mobile home/personal property.

Section II

A. National Flood Insurance Program (NFIP) Community Jurisdiction

NFIP Community Name. Enter the complete name of the community (as indicated on the NFIP map) in which the building or mobile home is located. Under the NFIP, a community is any State or area or political subdivision thereof, or any Indian tribe or authorized tribal organization, or Alaska Native village or authorized native organization, which has authority to adopt and enforce floodplain management regulations for the areas within its jurisdiction. (Examples: Brewer, City of; Blue Springs, Town of; Washington, Borough of; Worcester, Township of; Baldwin County; Jefferson Parish.) For a building or mobile home that may have been annexed by one community but is shown on another community's NFIP map, enter the Community Name for the community with land-use jurisdiction over the building or mobile home.

County(ies). Enter the name of the county or counties in which the community is located. For unincorporated areas of a county, enter "unincorporated areas.' For independent cities, enter "independent city."

State. Enter the two-digit state abbreviation. (Examples: VA, TX, CA.)

NFIP Community Number. Enter the 6-digit NFIP community number. This number can be determined by consulting the NFIP Eligibility Book or can be found on the NFIP map; copies of either can be obtained by calling 1-800-xxx-xxxx. If no NFIP Community Number exists for the community, enter "none".

B. NFIP Data Affecting Building/Mobile Home

The information in this section (excluding the LOMA/LOMR information) is obtained by reviewing the NFIP map on which the building/mobile home is located. The current NFIP map, and a pamphlet titled "Guide to Flood Maps," may be obtained by calling 1800-XXX-XXXx. Note that even when an NFIP map panel is not printed, it may be reflected on a community's NFIP map index with its proper number, date, and flood zone indicated; enter these data accordingly.

NFIP Map Number or Community-Panel Number. Enter the 11-digit number shown on the NFIP map that covers the building or mobile home. (Examples: 480214 0022 C; 5810C0075 F.) Note that the first six digits will not match the NFIP Community Number when the sixth digit is a "C" or when one community has annexed land from another but the NFIP map has not yet been updated to reflect this annexation. When the sixth digit is a "C", the NFIP map is in countywide format and shows the flood hazards for the geographic

areas of the county on one map, including flood hazards for incorporated communities and for any unincorporated county contained within the county's geographic limits. Such countywide maps will list an NFIP Map Number. For maps not in such countywide format, the NFIP map will list a Community-Panel Number on each panel. If no NFIP map is in effect for the location of the building or mobile home, enter "none".

NFIP Map Panel Effective/Revised Date. Enter the map effective date or the map revised date shown on the NFIP map. (Example: 6/15/93.) This will be the latest of all dates shown on the map.

LOMA/LOMR. If a Letter of Map Amendment (LOMA) or Letter of Map Revision (LOMR) has been issued by the Federal Emergency Management Agency (FEMA) since the current Map Panel Effective/Revised Date that revises the flood hazards affecting the building or mobile home, check "yes" and specify the date of the letter; otherwise, no entry is required. Information on LOMAS and LOMRS is available from the following sources:

1. The community's official copy of its NFIP map should have a copy of all subsequently-issued LOMAS and LOMRS attached to it.

2. For LOMAS and LOMRS issued on or after October 1, 1994, FEMA publishes a list of these letters twice a year as a compendium in the FEDERAL REGISTER; a subscription service providing actual copies of these letters semi-monthly is also available. To inquire about these two services, call 1-800XXX-XXXX.

3. Most LOMAS and LOMRS issued since 1983 nationwide are contained in FEMA's Community Information System. An electronic listing may be requested, and may be limited to specific communities or states, if desired. For information on this service, call 1-800-XXX-XXXX.

Flood Zone. Enter the flood zone covering the building or mobile home. (Examples: A, AE, A1-30, V, VE, V1–30, AH, AO, B, C, X, D.) If the building or mobile home straddles the dividing line between two flood zones, list both. All flood zones beginning with the letter "A" or "V" are considered Special Flood Hazard Areas (SFHAS). Each flood zone is defined in the legend of the NFIP map on which it appears.

No NFIP Map. If no NFIP map covers the area where the building or mobile home is located, check this box.

C. Federal Flood Insurance Availability Check all boxes that apply; however, note that boxes 1 (Federal Flood Insurance is available * * *) and 2 (Federal Flood Insurance is not available * * *) are mutually exclusive. Federal flood insurance is available to all residents of a community that participates in the NFIP. Community participation

status can be determined by consulting the NFIP Eligibility Book, which can be obtained by calling 1-800-xxx-xxxx. The NFIP Eligibility Book will indicate whether or not the community is participating in the NFIP and whether participation is in the Emergency or Regular Program. If the community participates in the NFIP, check either Regular Program or Emergency Program. To obtain Federal flood insurance, a copy of this completed form may be provided to an insurance agent.

Federal flood insurance is prohibited in designated Coastal Barrier Resources Areas (CBRA) for buildings or mobile homes built or substantially improved after the date of the CBRA designation. An information sheet explaining CBRA areas may be obtained by calling 1-800-XXX-XXXX.

D. Determination: If any portion of the building/mobile home is in an identified SFHA, check yes (flood insurance is required). If no portion of the building/mobile home is in an identified SFHA, check no.

E. Comments: Optional. Persons completing the form may use this portion in any man

ner.

F. Preparer's Information: If other than the lender, enter the name, address, and telephone number of the company or organization performing the flood hazard determination. An individual's name may be included, but is not required.

Date of Determination. Enter date on which the flood hazard determination was completed.

Other Information

Multiple Buildings: If the loan collateral includes more than one building, a schedule for the additional building(s)/mobile home(s) indicating the determination for each may be attached. Otherwise, a separate form must be completed for each building or mobile home. Any attachment(s) should be noted in the comment section. A separate flood insurance policy is required for each building or mobile home.

Guarantees Regarding Information: Determinations on this form made by persons other than the lender are acceptable only to the extent that the accuracy of the information is guaranteed.

[60 FR 35281, July 6, 1995]

PART 66-CONSULTATION WITH LOCAL OFFICIALS

Sec.

66.1 Purpose of part. 66.2

Definitions.

66.3 Establishment of community case file and flood elevation study docket. 66.4 Appointment of consultation coordination officer.