Title 42 › CHAPTER 50 — NATIONAL FLOOD INSURANCE › SUBCHAPTER III — COORDINATION OF FLOOD INSURANCE WITH LAND-MANAGEMENT PROGRAMS IN FLOOD-PRONE AREAS › § 4104
The Administrator must first publish any proposed flood elevations and mark areas at special flood risk. The proposals must appear in the Federal Register, be sent to the community’s top official, and be printed in a major local newspaper. The local notice must run at least twice during the 10 days after the local government is told. After the second local notice, property owners or tenants have 90 days to appeal to their local government. The only valid reason to appeal is to show scientific or technical information that proves the proposed elevation numbers or the special-flood-area designation are wrong. People must give their technical data to the local chief executive or the agency the chief names. The community collects the appeals, decides in writing if the evidence justifies a community appeal, and sends copies of individual appeals to the Administrator as they come in. The community must either file its own appeal or tell the Administrator it will not do so within 90 days after the second newspaper notice. If the community does not appeal, the Administrator will review the private appeals, make any needed changes, and send written decisions to the community and each appellant. If the community does appeal, the Administrator will consider the community’s technical data, consult local officials, hold a hearing, or send the conflict to the Scientific Resolution Panel. Flood insurance stays available until the conflict is resolved and a final decision is published and sent to the community. The Administrator must decide in a reasonable time. The community then gets a reasonable time to adopt matching local rules. Any reports used in the final decision must be open for public inspection and can be used in court. If a scientific or technical appeal is successful in whole or part, the Administrator will repay reasonable costs for surveyors or engineers (not lawyers), in proportion to the successful part of the appeal, but not contingency fees, and may use the National Flood Insurance Fund for this. Anyone unhappy with a final administrative decision can go to the U.S. district court for the district where the community is located within 60 days of getting notice. Court review follows the rules of chapter 7 of title 5, and the Administrator’s final actions stay in effect during litigation unless a court orders a stay for good cause.
Full Legal Text
The Public Health and Welfare, Source: USLM XML via OLRC
Legislative History
Reference
Citation
42 U.S.C. § 4104
Title 42, The Public Health and Welfare
Last Updated
Sep 22, 2026
Release point: 119-110