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When the community chooses to join the NFIP , is then must adopt and enforce minimum floodplain management standards for participation . The surcharge is intended to focus the attention of policyholders on the community 's non-compliance to help avoid suspension of the community which has serious adverse impacts on those policyholders . The regulatory requirements set forth by FIA are the minimum measures acceptable for NFIP participation . These changes typically occur as a result of structural works or improvements , annexations resulting in additional flood hazard areas , or corrections of base flood elevations or flood insurance risk zones . Before signing an application for any insurance coverage , call you state insurance department and verify that the company and the agent you are dealing with are licensed in your state . If you have not been covered under a group plan and have found it difficult to get insurance on your own , check with your state insurance department to see if your state has a risk pool . Participation in the NFIP is based on an agreement between local communities and the federal government which states that if a community will implement and enforce measures to reduce future flood risks to new construction in special flood hazard areas , the federal government will make flood insurance available within the community as a financial protection against flood losses which do occur . FEMA publishes maps indicating communities ' flood hazard areas and the degree of risk in those areas . Before the flood hazard assessment is initiated , FEMA considers all available existing information for use in the study . Consumers may also obtain a wide variety of information from their state insurance department . If you are contacted by an unlicenced agent or company , call your state insurance department immediately so that regulatory action can be taken . Flood hazard areas are determined using statistical analyses of records of river flow , storm tides , and rainfall ; information obtained through consultation with the community ; floodplain topographic surveys ; and hydrologic and hydraulic analysis . The regular program is the phase of a community 's participation in the NFIP under which more comprehensive floodplain management requirements are imposed and higher amounts of insurance are available based on risk zones and elevations determined in the flood insurance study of the community . Because a community 's participation status can significantly affect current and future owners of property located in Special Flood Hazard Areas ( SFHA ) and the availability of federal financial assistance in the flood-prone areas of the community , the decision should be made with a full awareness of the consequence of each action . Israeli diplomats hope that " such contacts also help strengthen the moderates on the Palestinian side - those who recognize that dialogue and acceptance must always be preferred to hatred , terror and extremism " . Check with your employer , your benefits manager , or your state department of insurance to find out about laws that may regulate who is responsible for payment .