24 C.F.R. § 574.640
§ 574.640 Flood insurance protection. (24 CFR Part 574)
Operative Text
No property to be assisted under this part may be located in an area that has been identified by the Federal Emergency Management Agency (FEMA) as having special flood hazards, unless: (a)(1) The community in which the area is situated is participating in the National Flood Insurance Program and the regulations thereunder (44 CFR parts 59 through 79); or (2) Less than a year has passed since FEMA notification regarding such hazards; and (b) The grantee will ensure that flood insurance on the structure is obtained in compliance with section 102(a) of the Flood Disaster Protection Act of 1973 (42 U.S.C. 4001 et seq.).
Under 24 CFR Part 574 § 574.640, properties receiving assistance under this program generally cannot be located in areas that FEMA has designated as special flood hazard zones. Two narrow exceptions exist: the community must be actively participating in the National Flood Insurance Program, or fewer than twelve months must have passed since FEMA issued its flood hazard notification. Even when an exception applies, the grantee is responsible for ensuring that flood insurance on the structure is obtained in accordance with the Flood Disaster Protection Act of 1973.
Plain English — not legal advice.
Property owners and managers seeking assistance under 24 CFR Part 574 § 574.640 should be aware that compliant operators typically verify whether a property sits within a FEMA-designated special flood hazard area before pursuing program funds. When a property does fall within such an area, operators generally confirm that the local community participates in the National Flood Insurance Program and secure the required flood insurance on the structure as mandated by the Flood Disaster Protection Act of 1973. Maintaining documentation of flood zone status and insurance coverage is a common practice among operators working within this regulatory framework.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under 24 CFR Part 574 § 574.640, tenants living in properties assisted through this program have an interest in knowing whether their building is located in a FEMA-designated special flood hazard area and whether the required flood insurance protections are in place. If a tenant has reason to believe a property receiving program assistance lacks the required flood insurance or is improperly situated in a flood hazard zone, they may consider raising the issue with the grantee administering the program or contacting HUD directly. Tenant-rights organizations and housing counseling agencies can help residents understand what protections this provision is intended to provide.
General guidance for tenants — not legal advice for your specific situation. Consult a tenant-rights organization or attorney for advice on your case.
Generated September 3, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.
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