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A flood insurance rate map (FIRM) is an official map of a community within the United States that displays the floodplains, more explicitly special hazard areas and risk premium zones, as delineated by the Federal Emergency Management Agency (FEMA). [1]
The Federal Emergency Management Agency (FEMA) is an agency of the United States Department of Homeland Security (DHS), initially created under President Jimmy Carter by Presidential Reorganization Plan No. 3 of 1978 and implemented by two Executive Orders on April 1, 1979. [1]
A Special Flood Hazard Area (SFHA) is an area identified by the United States Federal Emergency Management Agency (FEMA) as an area with a special flood or mudflow, and/or flood related erosion hazard, as shown on a flood hazard boundary map or flood insurance rate map. [1]
FEMA Risk Rating 2.0 rates were not expected to dramatically change for most current policyholders. From 1996 to 2019, 99 percent of U.S. counties experienced at least one flooding event.
The NFIP is managed and administered by the Federal Emergency Management Agency (FEMA) through the Federal Insurance and Mitigation Administration (FIMA). [2] The program is designed to provide an insurance alternative to disaster assistance to meet the escalating costs of repairing damage to buildings and their contents caused by floods. [ 3 ]
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The term was coined by FEMA Administrator Craig Fugate in May 2011 following the 2011 Joplin tornado, during which the two Waffle House restaurants in Joplin remained open. [ 4 ] [ 11 ] [ 12 ] The measure is based on Waffle House's reputation for staying open during extreme weather and for reopening quickly, albeit sometimes with a limited menu ...
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