National Flood Insurance Program (NFIP) and Floods

Having property mapped into the FEMA “flood zone” has consequences that go far beyond the risk of experiencing a flood.  Most “rules” of the flood damage prevention ordinance – which must be adopted by a community in order for flood insurance to be available – apply equally to urban and rural property, including agriculture. How you’re allowed to build and conditions of being allowed to significantly improve your building or restore your home after a fire, flood, tornado or other incident depend on being “in” or “out” of “the flood zone.” Being mapped in the “flood zone” can make the difference between qualifying for a mortgage or not. Understanding the consequences of being mapped in “the flood zone” can help anyone working in the areas of family or business finance, sustainable development, and home-buyer education, agricultural economics, and – by extension – community economics. This webinar will be an introduction to the National Flood Insurance Program, which is the source of both the official flood maps and the flood damage prevention ordinances. We will review the meanings of commonly used terms such as “the flood zone”, “the hundred-year flood,” “Base Flood Elevation,” “mandatory purchase,” and “flood ordinance,” and explain how “mapped in the flood zone” dictates or significantly influences what a property owner can do with his property. We will discuss ways knowledge of the NFIP can be used to enhance traditional Extension education programs.

This free one-hour webinar is open to everyone, but is especially for Extension educators and specialists. 

Moderator: Ken Hellevang, NDSU Extension Engineer and co-leader, Flood National EDEN Issue Leadership team.

Please register at Use the drop down menu to select "NFIP and Floods."


Pat Skinner, Ken Hellevang

Created by Virginia White