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National Flood Insurance Program (NFIP) and Floods

Having property mapped into the FEMA “flood zone” has consequences that go far beyond the risk of experiencing a flood.  Most “rules” of the flood damage prevention ordinance – which must be adopted by a community in order for flood insurance to be available – apply equally to urban and rural property, including agriculture. How you’re allowed to build and conditions of being allowed to significantly improve your building or restore your home after a fire, flood, tornado or other incident depend on being “in” or “out” of “the flood zone.” Being mapped in the “flood zone” can make the difference between qualifying for a mortgage or not. Understanding the consequences of being mapped in “the flood zone” can help anyone working in the areas of family or business finance, sustainable development, and home-buyer education, agricultural economics, and – by extension – community economics. This webinar will be an introduction to the National Flood Insurance Program, which is the source of both the official flood maps and the flood damage prevention ordinances. We will review the meanings of commonly used terms such as “the flood zone”, “the hundred-year flood,” “Base Flood Elevation,” “mandatory purchase,” and “flood ordinance,” and explain how “mapped in the flood zone” dictates or significantly influences what a property owner can do with his property. We will discuss ways knowledge of the NFIP can be used to enhance traditional Extension education programs.

This free one-hour webinar is open to everyone, but is especially for Extension educators and specialists. 

Moderator: Ken Hellevang, NDSU Extension Engineer and co-leader, Flood National EDEN Issue Leadership team.

Please register at Use the drop down menu to select "NFIP and Floods."


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About the Extension Foundation

The Extension Foundation was formed in 2006 by Extension Directors and Administrators. Today, the Foundation partners with Cooperative Extension through liaison roles and a formal plan of work with the Extension Committee on Organization and Policy (ECOP) to increase system capacity while providing programmatic services, and helping Extension programs scale and investigate new methods and models for implementing programs. The Foundation provides professional development to Cooperative Extension professionals and offers exclusive services to its members. In 2020 and 2021, the Extension Foundation has awarded 85% of its direct funding back to the Cooperative Extension System, 100% of funds are used to support Cooperative Extension initiatives. 

This technology is supported in part by New Technologies for Agriculture Extension grant no. 2020-41595-30123 from the USDA National Institute of Food and Agriculture and membership funding. Any opinions, findings, conclusions, or recommendations expressed in the content are those of the author(s) and do not necessarily reflect the view of the U.S. Department of Agriculture. For more information, please visit You can view the terms of useat

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