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Meanwhile , Iran and India have agreed to jointly develop the Iranian port at Chahbahar as well as the road linking the port to Afghanistan and Central Asia , with India having exclusive rights to the port . Despite the highly technical nature of the Program , there has been a deliberate effort to minimize the use of technical terms . The prohibition applies in all communities which FEMA has identified as having SFHAs , including those communities that are not participating in the NFIP . Those seeking a LOMA should first confer with the affected lending institution to determine whether the institution will waive the requirement for flood insurance if a LOMA is issued . The NFIP 's definition of " basement " includes any part of a building where all sides of the floor are located below ground level . The prohibition of the Act applies to federal regulatory instrumentalities , such as Office of Comptroller of the Currency , Federal Deposit Insurance Corporation , Federal Savings and Loan Institution , and Federal Home Loan Bank Board Lending institutions regulated , or whose deposits are insured , by the Federal instrumentality , must require the purchase of flood insurance according to the regulations of the federal instrumentality . This literature is designed for readers who do not need a detailed history or refined technical or legal explanations , but do need a basic understanding of the program and the answers to some frequently asked questions . Nevertheless , despite the scorching growth prospects that India offers , the road ahead for wireless telephony players in the country may not be without hurdles .