# 44 C.F.R. § 59.3 (2025): Emergency program

> Federal · Regulations · In force

URL: https://www.frixlaw.com/law-library/statutes/CFR_T44_P59_S59_3

## Section

- **Citation:** 44 C.F.R. § 59.3 (2025)
- **Heading:** Emergency program
- **Jurisdiction:** Federal
- **Kind:** Regulations
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** Title 44 CFR: Emergency Management and Assistance / Chapter I: FEDERAL EMERGENCY MANAGEMENT AGENCY, DEPARTMENT OF HOMELAND SECURITY / Part 59: GENERAL PROVISIONS / Subpart A: General / § 59.3: § 59.3   Emergency program.

## Text

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

## Nearby sections

- [44 C.F.R. § 59.1 (2025) § 59.1   Definitions.](https://www.frixlaw.com/law-library/statutes/CFR_T44_P59_S59_1.md)
- [44 C.F.R. § 59.2 (2025) § 59.2   Description of program.](https://www.frixlaw.com/law-library/statutes/CFR_T44_P59_S59_2.md)
- [44 C.F.R. § 59.3 (2025) § 59.3   Emergency program.](https://www.frixlaw.com/law-library/statutes/CFR_T44_P59_S59_3.md)
- [44 C.F.R. § 59.4 (2025) § 59.4   References.](https://www.frixlaw.com/law-library/statutes/CFR_T44_P59_S59_4.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/CFR_T44_P59_S59_3. Check the current official text before relying on it. Not legal advice.