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reduce flood losses by regulating development in haz- ardous areas. In addition to the planning incentive, the intent of the NFIP is expressed through insurance rate differentials and financial restrictions on federally guaranteed loans. Emergency Program. Insurance regulations gov, erning the NFIP vary according to the status of an in- dividual community's floodplain regulatory process. When the available data on local flood hazards is insuffi- cient to support final regulations, the community enters the "emergency phase," which provides limited insur- ance coverage with a large subsidy, A community may enter this emergency phase prior to completion of a de- tailed flood hazard survey. The local government, rely- ing on an initial Flood Hazard Boundary Map, must adopt preliminary regulations to encourage proper de- velopment practices in flood-prone areas. Regular Program. After the completion of detailed surveys (which are funded byFEMA), the resulting techni- cal studies allow more comprehensive regulations. These technical reports identify pertinent information such as base flood elevations, areas inundated by various magnitudes of flooding, floodway boundaries, and coastal high hazard areas. This information is provided in the form of Flood Insurance Rate Maps, Flood Boun- dary Maps, and Floodway Maps. ~ 5i ~\ ~ 81 Flood Hazard Boundary Map FHBM City of Floodvllle, Pennsylvania Flood County -----,- t. \" d ..- / ~*" ,e' 0/' ~;;e~ I I Flood Hazard Boundary Maps like this one are used as the basis of preliminary floodplain regulations in the emergency phase of the National Flood Insurance I Program. i ii ~, ~I 8.' 01 u, I ! Pacific A R i I _~__---l Zone A Areas of Special Flood Hazard Note: These maps may not include all Areas of Special Flood Hazard in the community. After a more detailed study, the areas shown on this map may be modified and other areas added 33