---
kind: "section"
citation: "44 C.F.R. § 59.3"
title: "44"
number: "59.3"
heading: "Emergency program."
url: "https://uscodex.org/cfr/44/59.3"
---

# §59.3. Emergency program.


The 1968 Act required a risk study to be undertaken for each community before it could become eligible for the sale of flood insurance. Since this requirement resulted in a delay in providing insurance, the Congress, in [section 408](/cfr/44/408.md) of the Housing and Urban Development Act of 1969 (Pub. L. 91-152, December 24, 1969), established an Emergency Flood Insurance Program as a new section 1336 of the National Flood Insurance Act ([42 U.S.C. 4056](/usc/42/4056.md)) to permit the early sale of insurance in flood-prone communities. The emergency program does not affect the requirement that a community must adopt adequate flood plain management regulations pursuant to [part 60](/cfr/44/part60.md) of this subchapter but permits insurance to be sold before a study is conducted to determine risk premium rates for the community. The program still requires upon the effective date of a FIRM the charging of risk premium rates for all new construction and substantial improvements and for higher limits of coverage for existing structures.


## Notes

### Amendments

[43 FR 7140, Feb. 17, 1978. Redesignated at 44 FR 31177, May 31, 1979, and amended at 48 FR 44543, Sept. 29, 1983]

### Authority

Authority: 42 U.S.C. 4001 et seq.; 6 U.S.C. 101 et seq.

### Amendments

[43 FR 7140, Feb. 17, 1978. Redesignated at 44 FR 31177, May 31, 1979, and amended at 48 FR 44543, Sept. 29, 1983]