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Oklahoma's Floodplain Management 101

Chapter 5: Local Enforcement and Monitoring Program Compliance

Shopping district of a small town during a flood

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To this point, this floodplain text has established the basis for what a floodplain management program must include and the state and local requirements necessary to meet the National Flood Insurance program (NFIP) requirements and the local flood ordinance. Now that your community is participating in the NFIP, how do you set up your program and make it work? Besides the development permit, what tools are available to enforce local program regulations and to monitor compliance.

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Enforcing Local Ordinances

A floodplain ordinance cannot effectively reduce the severity of flood damages unless it is properly enforced. Adequate, uniform and fair enforcement requires that:

  • All new development or improvements to existing development must have a permit.
  • All development must adhere to the standards of the NFIP.

Communities need to establish a procedure to ensure these two requirements are met. For example, the best way to ensure the first requirement is to have a PERMIT certificate displayed at the development site in full view. Such a certificate should be brightly colored so it is easily seen. It should be printed on durable material to withstand the weather during the construction period. If construction is taking place without a permit, it can be readily observed.

Communities can ensure the development is built to NFIP standards by having the local administrator make inspections during the construction period. Such inspections should be documented in the project file.

After a structure is built, the NFIP regulations require a community to "obtain and maintain the elevation of the lowest floor or the floodproofed elevation of all new or substantially improved structures". The burden of providing this requirement is on the permit applicant though proper submittal of elevation certificates.


There are important reasons why your community must enforce its floodplain management ordinance. First and foremost is the need to protect the lives and property of the community's residents, both present and future. Second is the need to meet state and federal requirements agreed to when the community applied to participate in the NFIP, Your community has the same responsibilities and enforcement powers for floodplain management as it does for other code-related violations (such as Fire/Building/Electrical and Plumbing).

Although one violation may not cause a measurable increase in risk or damage, the cumulative effects can be devastating. By allowing violations to go unabated, the community creates an atmosphere and establishes precedent that may make future enforcement much more difficult. It is imperative that the communities actively enforce its floodplain management ordinance to insure that all new development is compliant and to protect existing development from the increased risk of flooding.

The basis for enforcement of any ordinance/code is the Penalty Section, which prescribes the action local officials can take to enforce the community's ordinance/code.

The authority for state, county, or municipal floodplain boards to enforce floodplain management regulations is provided in 82 OS 2001, §1604.

There are other statutes available to community officials that can be used to assist in the enforcement of floodplain management. These other statutes include Titles 11, 19, 50 and 74 of the Oklahoma Statues. Titles 11 and 74 are for cities and towns, Titles 19 and 74 are for counties and Title 50 is for dealing with public nuisances. Planning, zoning and land use can be regulated through these authorities. More specifically, general authority may be found in Article 22 of Title 11 of the Oklahoma Statutes, which provides for abatement safety hazards, dilapidated buildings, weeds, trash, junk cars and unsanitary conditions. In summary, communities in Oklahoma have the basic legislative tools to deal with situations that may jeopardize their floodplain safety.


Over 370 communities, counties and tribes in Oklahoma have adopted floodplain management ordinances that regulate development and establish special conditions for development in the floodplains.

Development in the floodplain falls into six categories, construction (including mining, dredging, excavating and drilling operations), filling, grading, excavating, paving, and storage. It is important for the enforcement official to know what constitutes each of these activities and the impact of those activities that do not meet the requirements of the community's ordinance.

  1. CONSTRUCTION. Construction is the act by which land is changed by the intervention of man or any man-made change to improved or unimproved real estate. Construction is commonly applied to the erection of buildings and other structures; however, it also includes any action that results in a man-made change to the existing character of a parcel of land.

    Floodplain construction may take several forms:

    • Construction, reconstruction, repair, replacement, rehabilitation, or any addition to a building;
    • Installing a manufactured home on a site or installing a travel trailer or recreational vehicle on a site (for more than 180 days);
    • Construction or erection of levees, dikes, walls, and fences; or
    • Mining, dredging, drilling operations, construction of roads, bridges, jetties, or similar projects.

  2. FILLING. Filling is the act by which a parcel of land is built-up by the placement of earth, gravel, or man-made substance (i.e., concrete, rubble, trash, etc.). Placing fill in a floodplain reduces its capacity to store water and can result in higher flood elevations or increased velocities elsewhere in the community, thereby causing new or increased damages.
  3. GRADING. Grading or regrading is the act of sloping or shaping the earth's surface. It may be for creating hills or berms or sloping to provide for positive drainage. While grading may not affect storage, it can block conveyance. In addition, grading to remove meanders from a stream or clearing out a channel bottom may cause the velocity of the stream to increase. Increased velocities can increase the danger to lives, increase damages to buildings and structures, and cause erosion.
  4. EXCAVATING. Excavating is the act of removing a portion of the floodplain. Excavation may involve the removal of soil completely from the floodplain or depositing it in another portion of the floodplain. If the borrow material is placed in another part of the floodplain, conveyance could be affected. In addition, excavation could seriously affect stream or water quality or downstream erosion.
  5. PAVING. Paving is the act of hardening the surface of a parcel or part of a parcel of land, most often with man-made materials. While paving may not directly affect the flood elevation at the site, it can increase the run off and velocity which can create downstream erosion and increased flood heights.
  6. STORAGE. Storage includes placing supplies, materials or equipment below the base flood elevation in a floodplain. The community should pay particular attention to the storage of toxic, flammable and buoyant materials since they pose a threat to human life and safety.

Buoyant materials pose a threat since they can be washed into a downstream structure causing a damming effect and additional damage to other structures. The community should also pay attention to the means of elevating stored materials to assure that the means are structurally sound and secure. Structural failure could lead to the loss of life and property. Anchoring is one of the more important forms of securing structures both in and out of a floodplain.

Preventing increased damage is the primary objective of floodplain management. To accomplish that objective, any type of activity that could block or divert water, increase velocities, or send floodwater onto properties that would not otherwise be flooded must be regulated. It is the community's responsibility to review and evaluate the impact of all floodplain development and to approve and permit only the activities that meet the requirements of the local floodplain management regulations. The community is responsible to prevent the negative effects of unwise and/or improper development in the floodplain and ensure no adverse impact.

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Addressing a Violation

The ways to resolve a violation are as varied as the types of violations that may occur. There are, however, two common threads that hold all violations together: either the violator did not obtain a permit prior to construction or the violator did not follow the requirements of the approved permit application. In either case it is the community's responsibility (normally the Floodplain Administrator) to ensure that the regulation requirements are met.


Once a community has discovered or received notification of a possible violation, an inspection should be scheduled. This action may be as simple as stopping and talking to the violator and receiving his/her assurance that the violation (dumping trash or fill in a drainage ditch or failing to post his permit) can and will be corrected.

If the violation cannot be resolved on the spot, the inspector may need to check the code and site information before visiting the site. Essential information includes:

  1. Legal description of the property;
  2. Property owners name and address along with any property identification numbers;
  3. Flood Insurance Rate Map (FIRM), Flood Boundary Floodway Map (FBFM) and/or Flood Hazard Boundary Map (FHBM);
  4. The base flood elevation; and
  5. The lowest floor elevation of the structure.

If there is an active permit, the inspector may enter the property. However, if there is not an active permit, permission from the owners or occupants must be received prior to entering private property.

If the property owner is willing to talk to the inspector, the inspector may wish to hold an informal meeting and register the community's concern or determine that no violation has occurred. If the inspector is able to resolve the violation through this type of meeting and discussion, the community is ahead of the game and the public has been well served. However, the inspector must keep a record of the conversation and meeting because they could be used later in court.

If permission to enter the property is not obtained, the inspector should make a note in the record and leave the property. The inspector may inspect the property from any site accessible to the general public, such as roads, bridges, or parks. The inspector may also inspect the site from adjacent property if the adjacent owner gives permission.

Under no circumstances should the inspector force his/her way onto the property or gain access through intimidation. If access is denied, discuss the next means of action with the appropriate supervisors or the municipal/district attorney.

Once assured that a violation may be taking place, consult and get guidance from the municipal/district attorney before taking the next step. Posting the notice and sending the stop work order could be risky and questionable unless they are authorized in the state law.

  1. Post a notice of violation and stop work order in a prominent place on the property, clearly visible to anyone who enters the property or the structure; and
  2. Send a certified (return receipt requested) violation notice letter and stop work order to the owner of the property notifying him/her of the violation and the applicable part of the community's regulations that is violated as well as the remedies required to abate the violation and remove the stop work order.

Violation notices should always be sent by certified mail, with a copy of the receipt and the letter placed in the file. Often, violations have been dismissed in court because the community could not prove that the violator had been notified. If the violator refuses to sign the receipt, then it may be necessary to have the notice delivered by a law officer or two staff members (one to serve as witness). When the order is served to the developer, it is recommended a photograph is taken and that accurate identification is verified with a photo ID. The notice should also specify a date by which the owner must respond to the notice. The period of time must be reasonable and should be based on the potential threat to life/property. This date establishes the timing for additional action.


Assuming that the property owner wishes to clear up the violation (no-action will be discussed later under litigation), a violation meeting should be scheduled as soon as possible. The stop work order should remain effective until the violation is resolved.

The enforcement official should be prepared for all eventualities, from voluntary removal of the violation through the worst-case scenario, litigation. Explaining the possible ramifications of the violation may go a long way in convincing the violator to remove the violation without the need for litigation. Again, it is very important to keep a record of what was said at the meeting(s) because this information could be used later for a court record.

REMEMBER-Litigation is the most time-consuming and costly method of abating a violation. It may be the only way that a violation can be abated but SHOULD BE USED ONLY WHEN ALL OTHER EFFORTS FAIL.

Here are several violation scenarios and how you might deal with them:


Violation: Fill in floodway - No Permit

Too much fill put into floodway to repair erosion damage.

Possible Abatement Options:

This may entail more than removing a pile of dirt. If the fill has been graded and the original "natural" elevation can no longer be discerned, you will have to determine (as near as possible) the original elevations and slope. Then, you must require that the violator remove the fill only to that elevation and slope.


Have the violator apply for a permit and get a Letter Of Map Revision (LOMR). Then, you must give the violator copies of all pertinent application forms and establish a specific date by which you must receive all applications and data. You then need to coordinate your response with all other applicable agencies and inform the Oklahoma Water Resources Board and FEMA in writing of your actions. You must monitor the situation and be ready to fall back to Option 1 if the violator fails to meet his/her part of the agreement.

If you do not receive the permit application and LOMR data as agreed, then the violation must be considered active and all violation notices should remain in effect until the LOMR and the permit application are received. You should inform the violator that the violation is still active, provide a second due date for the submission of the data, and inform him/her that if the information is not received that the community will initiate litigation.


Violation: Fill in floodplain - No Permit

Fill for low water crossing into a property on the other side of a designated floodplain is being placed without a permit and with no drainage openings.
Possible Abatement Options:


Although removal of the fill would abate the violation, it could cause considerable inconvenience (not a hardship) to the property owner and only delays the final decision regarding an otherwise valid land use, when properly permitted. Additional factors, such as the effect of removal, possible replacement, and the potential for damage from the existing fill on the water quality of the stream, must be evaluated before the meeting with the property owner.


The fill will have to be removed until its effect on the base flood elevation is determined and construction plans approved by the community and a permit issued. At the meeting, the violator proposes to breach the illegal fill but not remove all of it. If the permit is not approved, he will remove the remaining fill. If the permit is approved, he would not have to bear the cost of returning that portion of the fill that he proposes to leave in place temporarily. As the enforcement official, you determine breaching the fill would relieve the threat of flooding to adjacent properties and not increase the base flood elevation, and accept his proposal based on his providing construction plans and applying for a development permit within 10 working days. It is very important to keep a record of what was said at the meeting, because this information may have to be entered as part of a court record. Also make sure that the property owner is aware that the violation will be pursued if the conditions of the agreement reached at the meeting are not met.


Violation: Single-family dwelling was not constructed to required elevation.

A single-family dwelling was built with its lowest floor (including basement) three feet below the elevation required by the local ordinance and is now one foot below the Base Flood Elevation (in violation of both the local ordinance and FEMA regulations).

Possible Abatement Actions:


If the structure was built over a basement or crawl space, elevation may not be a viable option. If the structure was built on slab, elevation may be an option but probably more expensive. Special care must be taken to ensure that the new elevation meets the elevation requirements of the ordinance.

If the structure is built over a basement, then the first floor may be at or above the ordinance elevation, which may be more than the minimum FEMA requirement. If this is the case, you may wish to require that the basement be abandoned and filled. This option could be accomplished by moving all heating, plumbing and utilities and utility equipment to the first floor or higher and back-fill the basement.


If you agree that the structure should remain on the site as is, then several actions should be taken:

  • The violator must be required to floodproof the structure to the maximum extent possible and submit a certified elevation certificate, a floodproofing certificate and a copy of a letter requesting rating or re-rating of the structure for flood insurance purposes to the community and to the State Coordinator's office.
  • The violator should file a notice with the County Clerk notifying any future purchasers that the property does not conform to the floodplain development requirements of the community. A copy of the notice should also be filed with the title abstract. This option should be considered only if all the requirements of the ordinance cannot be met.
  • The community should request a 1316 action under the provisions of Part 73 of the National Flood Insurance Program regulations if the structure cannot be brought into compliance after all legal avenues have been exhausted.


Although demolition would not normally be required for a structure with the lowest floor (including basement) one foot below the base flood elevation outside of a designated floodway, this is an option that must be considered. If the structure were in a floodway or more than one foot below the base flood elevation, demolition becomes a more appropriate option.

When determining what action your community should take in abating violations, you should remember that normally the agency does not have the authority to enter someone's property to correct a violation or to order another agency or contractor to perform the work. Always discuss the community's options with the community's legal counsel prior to taking or agreeing to any action. Remember, if the structure remains, the community will eventually be providing emergency community services and possibly other financial assistance to the residents.
The scenarios mentioned above are only three of many types of floodplain violations that a community may discover. The particular response should be tailored to each situation, but two things must always be kept in mind: violations of the community's floodplain management ordinance will eventually lead to increased damages and possible loss of life; ENFORCEMENT OF THE ORDINANCE IS YOUR RESPONSIBILITY.

Several communities have begun using the citation or "ticket" approach to enforce zoning and floodplain development requirements. If the floodplain ordinance permit requirement falls under the zoning or building code requirements, then the "ticket" approach is feasible. If violations of the floodplain ordinance are declared to be public nuisances, the "ticket" approach is also feasible. This system should mirror local zoning and nuisance enforcement techniques that already exist in most communities.

If the community has a floodplain board or has assigned those duties to a planning or zoning board or uses a board of adjustment, it can use that system and procedure to hear appeals from and review any order, requirement, decision, or determination made by any official charged with enforcing the floodplain requirements.
As for procedural questions, once the citation (ticket) is issued, the person charged may appeal the citation through the system adopted by the community.

There are limits on the types of penalties that can be imposed. A misdemeanor offense is punishable by imprisonment in a county jail not exceeding one year or by a fine not exceeding $500, or both fine and imprisonment. Where punishment is not prescribed, local counsel should be obtained if such actions are seriously considered or become the action of last resort.
Another option that a community may use to gain compliance is recording the violation notice in the County Clerk's Office. This recordation has the effect of clouding the deed to the property, so that the Title Insurers may not be willing to insure the title until the violation is removed. Typically, a Title Insurer may require the property owners to certify that certain conditions are met prior to transfer of title. One typical condition is that, "No notice of any structural code violations for the premises issued by any governmental agency has been received by the grantor within the past 10 years."

In determining whether to use this option, the enforcement official should determine whether the action will have the desired effect of encouraging the removal or abatement of the violation. The best way to record the violation should be discussed with legal counsel. This option should not be used if in the opinion of the enforcement official there will not be a transfer of the property in the near future (three years or less is recommended). This option should not be used unless a violation letter is recorded.


IF ALL OTHER MEANS OF OBTAINING COOPERATION IN REMOVING OR ABATING A VIOLATION FAIL, then the final step is to request the Municipal Attorney or the District Attorney to initiate legal action against the violator.

Prior to taking the case to the attorney, the enforcement officer should make sure that the chronology and the documentation of past action is in order and easily discernible including significant dates, actions taken, and matters discussed. An inspection and meeting record should be attached, outlining the course of action taken up to this point.

When taking the case to the attorney, the enforcement official should have a clear idea of the type of resolution being requested. This organization will assist the attorney in determining the course of action to be pursued, such as demolition, restoration, or another type of violation resolution.
Prior to actually filing a complaint, the attorney may wish to send a letter to the potential defendant outlining the charges and giving the defendant 30 days to respond. If successful, this will gain compliance without going through the long, tedious, and costly effort of a court case.

If the attorney's actions fail to gain compliance, the enforcement official must be ready for a trial. This means either being ready to give testimony and/or lining up "expert witnesses" to give testimony. In these efforts, the enforcement official should follow the lead of the attorney who will actually prepare and present the case in court. The enforcement official is the best witness in any floodplain violation case because the enforcement official has:

  1. The best working knowledge of the ordinance; First-hand knowledge of the case;
  2. Documents needed for witness corroboration (photos, eye witness accounts in writing, ordinances, etc.); and
  3. Knowledge of the chain of custody of evidence (can verify that evidence has not been contaminated, altered, or changed).

The community may also wish to obtain "expert witnesses" to further clarify the community's position and the effects of non-compliance. Expert witnesses may be paid consultants with knowledge regarding violations of this type or officials from other communities with experience in these matters. It is important to explain to the court how the witnesses relate to this case and their area and field of expertise.


The NFIP regulations state that it is the community's responsibility to enforce the requirements of its floodplain management ordinance and any other more restrictive regulations of the state. However, at the request of FEMA, each Governor has designated an agency of State or territorial government to coordinate that State's or territory's NFIP activities. These agencies often assist communities in developing and adopting necessary floodplain management measures. As the designated state coordinator, the OWRB will provide consultation in dealing with a violation and a violator. Staff will work with the local officials to determine the best way to deal with the violation problem. However, it is ultimately the community's responsibility to pursue the appropriate course of action.

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Program Compliance

Conscientious enforcement of the floodplain ordinance must be undertaken. Communities that do not strictly maintain a permit system, do not keep adequate records, or have developed a pattern of granting variances, have violated their agreement with FEMA. Communities must practice floodplain management as set forth in their floodplain ordinance. Failure to adequately do so could trigger a visit from OWRB or FEMA representatives. This visit is called a Community Assistance Visit (CAV). The nature of a CAV will vary according to the circumstances of each community. If OWRB and FEMA find deficiencies in a community's management of their floodplain ordinance, OWRB and FEMA may request corrective actions be initiated by the community.

Community Assistance Visits (CAVs) are FEMA's most comprehensive form of contact with NFIP communities. A number of communities are selected and visited annually because of development pressure, flood history, high or repetitive insurance claims, known problems, or other indicators of difficulty (i.e., variances) with NFIP requirements.

An on-site visit by FEMA and/or OWRB personnel consists of:

  • meeting with community officials;
  • a tour of the floodplain;
  • an inspection of records, concentrating on development permits and as-built elevation and floodproofing certifications as required in NFIP regulations part 59.22(9)(iii); and
  • evaluation of the floodplain ordinance and administrative procedures used in floodplain management.

Following the on-site visit, a follow-up letter will be sent by FEMA or OWRB to the community outlining:

  • assessment findings;
  • specific deficiencies and violations;
  • history of such deficiencies and violations;
  • required corrective actions, protective measures and procedures to be changed by the community; and
  • assistance provided or promised.

When a community has failed to enforce its floodplain management program in compliance with NFIP criteria, and the FEMA regional office has identified one or more program deficiencies or violations, FEMA may initiate an enforcement action against the community in order to obtain compliance. A substantial program deficiency violation is one that has resulted or could result in increased flood damage potential or higher flood stages.


  • Failure to require permits for proposed construction or other development within flood-prone areas and to review such permit applications and subdivision proposals to assure that all such construction and development is adequately designed, located, constructed and anchored to minimize flood damage.
  • Failure to obtain and reasonably utilize available flood data as criteria for setting local elevation and floodproofing requirements.
  • Ordinances not compliant with NFIP floodplain management criteria.
  • Ordinances that do not contain adequate enforcement provisions or that cannot be enforced through other mechanisms.
  • Administrative procedures or practices that are not workable or cannot reasonably ensure compliance with the local ordinance.
  • Variance procedures not consistent with NFIP variance criteria.
  • Failure to operate and maintain flood protection projects credited by FEMA as providing 100-year flood protection.


  • obstruction of floodways or stream channels that increase flood stages;
  • in A-Zones, applying to new construction and substantial improvements;
  • residential structures that are located with their lowest floor (including basement) below the BFE;
  • residential structures that are not adequately anchored to resist flotation, collapse or lateral movement;
  • nonresidential strictures that are not elevated and anchored or floodproofed;
  • structures without required elevation certificates or floodproofing certificates; and
  • structures with enclosures below the BFE used for purposes other than parking, access, or storage.

Although all participating communities are required to enforce compliant NFIP ordinances, not all communities have the same capabilities and the seriousness of deficiencies and violations will vary. Because of this, various mitigating and aggravating factors are taken into consideration by FEMA, and all enforcement actions are handled on a case-by-case basis. Mitigating factors do not relieve a community of its obligation to correct all deficiencies and remedy violations.


  • The community has demonstrated willingness to take positive actions to resolve past problems.
  • Due to a lack of adequate local resources, including professional staff, the community has had to rely on the availability of technical assistance from state, regional, or private sources.
  • Deficiencies in the local program have not resulted in increased exposure to flood losses.
  • There is no history of prior violations identified by FEMA and OWRB.
  • FEMA has had no prior contact with the community.
  • Newly elected officials or recently hired staff have demonstrated a new attitude toward NFIP compliance on the part of the community.
  • The violation occurred a number of years in the past.
  • There are only isolated instances of violations or a single program deficiency rather than a pattern of widespread program deficiencies or violations.
  • A particular remedial measure would undermine the credibility of local officials or their efforts to achieve compliance.
  • The present owner of a property in violation was not the owner at the time the structure became noncompliant.


  • The community has not demonstrated willingness to take positive actions to resolve past problems.
  • The community has adequate resources available to it, including professional staff or other sources of technical assistance, which have not been utilized.
  • Deficiencies in the local program have resulted in increased exposure to flood losses.
  • There is a history of prior violations or program deficiencies identified and brought to the community's attention by FEMA and OWRB.
  • FEMA and OWRB have had prior contact with the community.
  • FEMA and OWRB have provided technical assistance to the community.
  • The violations occurred recently.
  • There is a pattern of widespread program deficiencies or violations as opposed to an isolated instance to noncompliance.
  • The present owner of a property in violation also was the owner at the time the structure became noncompliant applies when determining appropriate remedial measures.


  • Amend ordinances to close loopholes or correct other program deficiencies that allowed the violations to occur.
  • Amend ordinances to include more effective enforcement provisions or add penalty provisions.
  • Change administrative procedures to improve the permitting and inspection process. This could include revisions of permit, certification or inspection forms, changes in inspection procedures, or changes in procedural instructions given to the building inspector and other staff.
  • Pass a resolution of intent to fully comply with NFIP requirements.
  • Change or increase staff or resources used to enforce the local ordinances. (FEMA generally does not mandate this remedial measure.)
  • Provide missing elevations or floodproofing certificates.


  • Demonstrate that the structure is not in violation by providing missing elevation or floodproofing certificates.
  • Submit engineering data showing that floodway fill results in "no increase" in flood stage.
    Rescind permits for structures not yet built or in early stages of construction.
  • Tear down or modify the noncompliant structure or remove fill in the floodway.
  • Develop and implement a master drainage plan or construct flood control works to protect noncompliant structures.
  • Seek civil/criminal penalties as provided for in the local ordinance or community code. In the case of a judgment against the community, the community is expected to appeal the decision.
  • Initiate licensing actions against architects, engineers, builders or developers responsible for the violations.
  • Submit survey data/documentation required to verify insurance rates for existing policies.
    Issue declarations and submit them for Section 1316 denial of insurance.
  • Submit evidence that the structure cannot be cited (legal constraints in state or local legislation, deficiencies in the ordinance, etc.).
  • Submit sufficient data to verify the information submitted by the property owner of an uninsured building so that FEMA can ensure the building is properly rated if a flood insurance policy is applied for in the future.

Communities that fail to adequately enforce floodplain management regulations can be placed on probation by FEMA. Probation allows a period of time for the community and FEMA to work out identified problems, deficiencies or violations. Probation can be imposed and terminated by FEMA's Regional Director in Denton, Texas, and can be continued for up to a year after the community corrects all program deficiencies. FEMA specifies what corrective actions or remedial measures need to be taken by the community in order to have probation lifted.

During probation, an additional premium charge of $50 per policy will be levied on all new and renewed flood insurance policies. This surcharge is based on a one-year time period beginning with the imposition of probation and will be in effect this first year and during successive one-year periods during which the community remains on probation. If the probation period lasts three months, the surcharge is still in effect for the remainder of the year; if probation lasts 13 months, the surcharge is in effect for 24 months.

Probation is lifted or extended at the discretion of the FEMA Regional Director.

When efforts to resolve identified community deficiencies do not meet FEMA's conditions or otherwise fail under probation, the community may be removed from the program. Suspension authority lies with the FEMA Washington office. The effects of being suspended from the NFIP are:

  • Flood insurance will no longer be available. No resident will be able to purchase a flood insurance policy.
  • No federal grants or loans for buildings may be made in identified flood hazard areas. This includes all federal agencies such as the Department of Housing and Urban Development (HUD), Small Business Administration (SBA), Federal Housing Authority (FHA) and Farmers Home Administration (FmHA).
  • No federal disaster assistance may be provided in identified flood hazard areas.
  • No federal mortgage insurance may be provided in identified flood hazard areas. This includes FHA, Veterans Administration (VA) and FmHA.
  • Mortgages requiring the purchase of flood insurance may be foreclosed.
  • Liability of local government for denying citizens the right to purchase flood insurance or by not taking positive steps to reduce exposure of life and property from a known natural hazard.

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Subrogation is an action brought when flood damages have occurred, flood insurance claims have been paid, and all or part of the damage can be attributed to acts or omissions of a community. FEMA then sues a third party to recover flood insurance claims it has paid.

Before subrogation can take place

  • The community must be in the Regular Phase of the NFIP;
  • Flood damages occur to property carrying flood insurance;
  • Flood insurance claims are paid by FEMA based on the property damage caused by flooding.

In seeking subrogation:

  • FEMA believes negligence by a third party has contributed to the flood damages occurring as covered by flood insurance policies; and
  • FEMA sues to recover the money paid out in claims due to damage attributable to a third party. This third party is believed to have caused, contributed to, or aggravated the documented flood damages. This third party could be a community, a political entity, a developer or an engineer.
  • FEMA determines the community in which the damages have occurred is delinquent in its floodplain management efforts. Extensive investigation and documentation would precede any subrogation efforts by FEMA.

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Denial of Flood Insurance and Disaster Assistance

Denial of Flood Insurance and Disaster Assistance
Under Section 1316 of the National Flood Insurance Act, as amended, flood insurance can be denied to properties in violation of state or local floodplain regulations. FEMA will not allow new flood insurance coverage for any property declared in violation of floodplain regulations by the state or local entity in which the violation exists. A valid declaration shall consist of:

  1. The name(s) of the property owner(s) and address or legal description of the property sufficient to confirm its identity and location;
  2. A clear and unequivocal declaration that the property is in violation of a cited state or local law, regulation, or ordinance;
  3. A clear statement that the public body making the declaration has authority to do so and a citation of that authority;
  4. Evidence that the property owner has been provided notice of the violation and the prospective denial of insurance; and
  5. A clear statement that the declaration is being submitted pursuant to Section 1316 of the National Flood Insurance Act of 1968, as amended.

Denial of flood insurance coverage makes commercial financing for unauthorized floodplain structures difficult to obtain. If the property has a 1316 and the owner corrects the deficiency, the 1316 can be lifted.

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