w.
SUPPLEMENT
NO. 2
NOVEMBER 1976
Municipal Wastewater
Treatment Works
Construction Grants Program
References
Regulations -Guidance -Procedures
tXEAl
MCD 02 .2
United States Envi-onmental Protection Agency
Washington, D.C. 20460

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TO HOLDERS OF THE UNITED STATES ENVIRONMENTAL
PROTECTION AGENCY MANUAL OF REFERENCES (MCD-02):
PLEASE FILE THE ATTACHED CONSTRUCTION GRANTS
PROGRAM REQUIREMENTS MEMORANDA 76-3, 76-4, 76-5 IN
SECTION II OF THE MANUAL.

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^£0S^
' £5 **
1 UNITED STATES ENVIRONMENTAL PROTECTION AGENCY
V	WASHINGTON, D.C. 20460
*1 PRO**
fcUG 16 1976
Construction Grants
Program Requirements Memorandum No.
PPM # 76-3
SUBJECT:
FROM:
TO:
ATTN:
I.	PURPOSE
This memorandum provides Agency policy concerning the presentation
of local Costs of wastewater treatment vrorks in Facility Plans and
public disclosure of this information.
II.	DISCUSSION
Section 35.917-1(h) of the Construction Grant Regulations requires
that a facility plan include a "brief statement demonstrating that the
authorities which will be inplementing the plan have the necessary
legal, financial, institutional, and management resources available to
insure the construction, operation and maintenance of the proposed
treatment works." Further, Section 35.925-5 requires that the Regional
Administrator shall, before awarding grant assistance, determine "that
the applicant has:
(a)	agreed to pay the non-Federal project costs and
(b)	has the legal, managerial and financial capability to
insure adequate construction operation, and maintenance
of the treatment works throughout the applicants juris-
diction. "
Presentation of Local Government Costs of Wastewater
Treatment Works in Facility Plans
	4^^
for Water Program Operations (WH-546)
Regional Administrators
Water Division Directors

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2
The financial assurances would have little basis unless those
served by the treatment works are informed of their costs. The quality
review of facility plans during the past year has shown that many lack
financial information on non-Federal debt service or operation and
maintenance costs and that, even where such data are presented, these
costs are not usually translated into charges for a typical residential
customer. Sate EPA regions have indicated that most residents to be
served by grant funded treatment works will be unaware of their financial
obligations until construction of the works is 80% complete and user
charges have been determined.
This problem would be eliminated and the goals of public partici-
pation served better by including an estimate of project costs to users
and taxpayers in the facility plan. Such a public estimate would also
create a climate favoring careful consideration of the least cost alter-
natives, including greatest possible use of existing public and private
facilities.
III. POLICY
A. Financial Information
The facility plan shall present the cost information listed below.
These may be only rough estimates, and may be presented as a range of
possible costs when major unknowns exist such as whether or not sub-
stantial parts of the project are grant eligible.
1.	Estimated total capital costs for the reoaimended treatment
works, a breakdown of estimated eligible and ineligible costs, and the
estimated Federal, State, local governmental and industrial shares of
the capital costs.
2.	The expected method of local financing and estimated annual
debt service charges or taxes (based on the expected interest rate for
municipal borrowing) on the total local capital cost of the reoanmended
treatment works.
3.	Estimated annual operation and maintenance costs and the es-
timated industrial and local government's shares thereof for the recom-
mended treatment works.
4.	The estirated monthly charge for operation and maintenance, the
estimated monthly debt service charge, the estimated connection charge,
and the total monthly charge to a typical residential customer.

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2
to navigable waters, defined in Section 502(7) of P.L. 92-500 as "waters
of the United States, including the territorial seas". The United States
District Court for the District of Columbia in NRDC v. Callaway, et al.,
392 F. Supp. 687, 7 EEC 1784 (D.D.C. March 27, 1975) has recently-inter-
preted the statutory definition of navigable waters to extend 404 regu-
latory jurisdiction beyond the limits, of traditional-navigability.
Traditional navigability serves as the jurisdictional boundary for the
Corps Section 10 regulatory program under the Fivers and Harbors Act of
1899. The discharge of dredged or fill material into "waters of the
United States" requires a Section 404 permit. A discharge into traditional
navigable waters will require a Section 10 permit as well as a 404
permit. In cases where both types of permits are required, the Corps
will generally consolidate the requirements of both into a single document.
The issuance of a Section 10 permit is in most cases based on identical
criteria to the issuance of a 404 permit.
Hie Corps has published interim final regulations governing the
issuance of 404 and Section 10 permits in 33 CFR Part 209.120, Permits
for Activities in Navigable Waters or Ocean Waters, Federal Register,
Vol. 40, No. 144/ July 25, 1975. EPA has published its discharge guide-
lines for 404 permits in 40 CFR Part 230, Discharge of Dredged or Fill
Material, Federal Register, Vol. 40, No. 173, September 5, 1975, (in-
terim final).
:;l
Generally, a 404 permit will be required far an activity involving
the discharge of dredged or fill material into most rivers, lakes and
streams, their tributaries and contiguous or adjacent wetlands, and into
coastal waters and \their contiguous or adjacent wetlands. A Section 10
permit will generally be required for discharges into wetlands belcw
mean high tide on coastal areas or into rivers, lakes and streams presently
or historically usecl or susceptible to use for navigation. A detailed
definition of all waiter areas affected by the 404 and Section 10 require-
ments is found in 209.120(d) of the Corps regulation, 33 CFR Part 209.
Wetlands are defined), generally as those areas that are periodically
inundated and that arte characterized by the presence of aquatic vegetation.
Section 404/Sectian 10 permits will be required for the placement
of fill material involved with the construction of treatment plants,
interceptors and other sewers, and outfall pipes if such facilities are
located in or cross over any of the water bodies or wetlands areas
listed above. A Section 10 permit will also be required for the place-
ment of structures in traditional navigable waters, such as outfall
pipes, even if no discharge of dredged or fill material is required for
such structures. The Corps regulations, however, provide for a phased
implementation of the 404 program over a two year period, and discharges
of fill material into certain water areas may not require a 404 permit
if conducted prior to certain dates. Section 209.120(e) of the Corps
regulation describes the phased approach. District offices of the Corps
should be contacted as to this.

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Section 209.120(i)(2)(ix) of the Corps regulations provides for the
issuance of general 404/Section 10 permits for "certain clearly defined
categories of structures or work, including discharges of dredged or
fill material	" General permits may be issued on a state-jwide or
other areavd.de basis, and once issued, individual activities within
those categories and areas will not require the issuance of additional
permits provided that they are substantially similar in nature and cause
only minimal adverse individual or cumulative effects on the environment.
The construction of interceptor sewers and outfall pipes nay be categories
of activities for which general permits could be issued in certain
areas.
The Corps of Engineers applies a number of criteria to determine
whether a 404/Section 10 permit should be issued. The general test
which the Corps uses in making its decision is based on a determination
of the probable impact of the proposed structure or work and its intended
use on the public interest. Applications for permits for sewage treat-
ment facilities will be judged by the same standard. In most cases, a
facility's beneficial environmental impacts on water quality should
support the issuance of a permit. In some cases, however, significant
adverse environmental impacts of a project may merit the denial of a
permit and consideration of an alternative site proposal.
EPA is required to conduct an evaluation of the environmental
impacts of its construction grants projects under the National Environ-
mental Policy Act. The Corps must also comply with NEPA in issuing
Section 10 and Section 404 permits. The Corps, however, will defer to
EPA as lead agency to conduct the NEPA evaluation, and where necessary,
EPA will prepare an Environmental Impact Statement for construction
grants projects which also require a 404/Section 10 permit. The EPA
evaluation, therefore, must address the environmental considerations
affecting the 404/Section 10 permit. The Corps will review the EPA
evaluation and advise EPA of additional information for inclusion in the
evaluation necessary to make a 404/Section 10 determination.
IMPLEMENTING PROCEDURE
Regional offices should apply the following procedures to assure
early ocmpliance with 404/Section 10 permit requirements for construction
grants projects:
I. Projects in Facility Planning Stage
1. Consultation with Corps
All Step 1 grantees should be instructed to consult with the
Corps immediately upon identifying a project alternative which might re-
quire siting any portion of that project in a wetlands area or other
navigable waters.

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B. Public Disclosure
The above information for the proposed plan shall be presented
during the public hearing on the facility plan.
IV. IMPLEMENTATION
This policy shall apply to all facility plans for which public
hearings are held on or after January 2, 1977.

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/£0sr^
g UNITED STATES ENVIRONMENTAL PROTECTION AGENCY
¦SHINGTON, D.C. 2(
3CT 14 1976
\Lpro^	WASHINGTON, D.C. 20460
¦"? r>'
PROGRAM REQUIREMENTS MEMORANDUM
PRM #76 -4
SUBJECT: Coordination of Construction Grants Program with
EPA-Corps of Engineers Section 404/Section 10 Permit
Programs
FROM: John T. Rhett, Deputy Assistant Administrator	7^73^^
for Water Program Operations (WH-546)	7^	' '
TO:	Regional Administrators, I - X
AITO: Water Division Directors
PURPOSE
A Section 404 or a Section 404/Section 10 permit for the discharge
of dredged or fill material may be required for the construction of EPA
assisted wastewater treatment facilities if they are to be built in
wetlands or other water areas. This memorandum sets out EPA policy as
to the coordination of the construction grants and Section 404/Section
10 permit programs. The Corps of Engineers has concurred with this
policy statement.
DISCUSSION
The Corps of Engineers issues permits under Section 404 of P.L. 92-
500 and Section 10 of the Rivers and Harbors Act which regulate the
discharge of dredged and fill material into navigable waters. Under the
404 program, the Corps is responsible for issuing permits which must
conform with discharge criteria established in guidelines published by
EPA. Additionally, EPA has authority under Section 404(c) to prohibit
the issuance of a 404 permit by the Corps if it determines the proposed
discharge will have an unacceptable adverse effect on certain environ-
mental areas. Under the Section 10 program, the Corps has sole responsi-
bility for management of the program, and EPA does not have veto authority
over the issuance of a permit.
The primary difference between the Section 404 and Section 10
programs is the extent of their jurisdiction over the various types of
water bodies including wetlands. Jurisdiction under Section 404 extends

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4
Consultation should take place at the earliest possible stage
of the facility planning process. The grantee should discuss with the
Corps whether a 404/Section 10 permit will be required and, if so:
a.	Whether the Corps would be likely to issue a permit
for dredged material or fill discharge in that area, or
whether the Corps or other Federal and State agencies
would favor an alternative location.
b.	What environmental factors should be examined in the
facility plan/environmental assessment which would provide
the Corps with information necessary to make a final
decision on the permit application after it is submitted.
2.	404/Section 10 Application
The Step 1 grantee should be instructed to submit a formal applica-
tion for a 404/Section 10 permit at the point in the facility planning
process that a final project alternative is selected involving a wetlands
or other navigable waters location. The grantee should later notify the
Corps when the project facility plan has been approved by EPA.
3.	Compliance with NEPA
During the facility plan approval process, EPA should coordinate
its decision on whether to issue a notice of intent and prepare an EIS
or to issue a negative declaration with the Corps. EPA has lead agency
responsibility for NEPA compliance for grants projects that also require
a 404/ Section 10 permit. However, care should be taken to consult the
Corps as to all environmental issues surrounding a grants project in
order to avoid duplicative environmental reviews and to facilitate Corps
decision making on the 404/Section 10 permit. The Corps may undertake
further NEPA review, however, if it needs additional environmental
information to make an informed decision on the 404/Section 10 permit
application.
4.	EIS Preparation
When an EIS is to be prepared on grants projects also requiring a
404/Section 10 permit, EPA will be responsible for its preparation as
the lead agency but should seek input frcm the Corps at all stages of
preparation and review of the EIS.
5.	404/Section 10 Permit Requirement for Step 2 Grant
When required, an issued 404/Section 10 permit or a determination
by the Regional Administrator that the Corps is prepared to issue a
404/Section 10 permit, shall be a prerequisite to the award of a Step 2
grant.

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6. EPA 404(b) and (c) review
EPA review of 404 permit applications under 404(b) and (c) should
be coordinated with the grants program at the regional level to avoid
possible delays. Regional Administrators are required to review all
404 permits issued for grants projects as well as non-EPA projects to
assure that the projects ccmply with the EPA 404 guidelines. Conse-
quently, grant personnel should coordinate early with 404 program review
personnel to insure full consideration in the grants program of the
criteria used in the EPA 404 review and awareness in the 404 program of
the timing of the grants process.
II.	Projects in Step 2 and 3 Stages
For construction grants projects which have already proceeded past
the planning stage, EPA should insist that all grantees immediately con-
sult with the Corps to determine whether 404/Section 10 permits are
required for their projects. When a 404/Section 10 permit is required,
EPA should vrork with the Corps and the grantee to expedite the permit
issuance process.
III.	General Permits
Regional offices should work with their States and the appropriate
Corps offices to investigate the possibilities of acquiring general
permits frcm the Corps for certain categories of interceptors and out-
falls which may have minimal environmental impacts for all grantees
within a State or within a certain area of a State. General permits for
such activities may be properly considered for issuance by the District
Engineers under both Section 404 and Section 10. Regional construction
grants personnel should coordinate their efforts in this area with the
regional EPA 404 offices. Section 209.120(i)(2)(ix) of the Corps regu-
lations sets forth requirements for the issuance of general permits.
Observance of these procedures should help to assure that the
Section 404/Section 10 permit requirements do not act as a source of
delays for the grants program. It is particularly essential that the
Corps of Engineers be consulted early as to any potential 404/Section 10
problems. Early consultations should help to maintain good working
relations between the two agencies and to expedite both the grants and
the 404/Section 10 permit programs.

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USS

UNITED STATES ENVIRONMENTAL PROTECTION AGENCY
WASHINGTON. D.C. 20460	1 6 1976
PROGRAM REQUIREMENTS MEMORANDUM
PRM it 76-5
SUBJECT: Flood Insurance Requirements
FROM: Deputy Assistant Administrator
for Water Program Operations
TO:	Regional Administrators
ATTN: Water Division Directors
PURPOSE:
This Program Requirements Memorandum summarizes National Flood In-
surance Program requirements applicable to the construction grants
program. It supersedes Program Guidance Memoranda 25, 25A and 54.
DISCUSSION:
The National Flood Insurance Act of 1968 (42 U.SiC. 4001-4127) as
expanded and amended by the Flood Disaster Protection Act of 1973 (P.L.
93-234) provides for low cost flood insurance for projects in flood-
prone areas through the means of a subsidy. A prerequisite for this
assistance is the enactment by local jurisdictions of certain minimum
flood plain management measures to reduce or avoid future flood damage
within their flood-prone areas. When adequate flood plain management
measures have been adopted and approved by the Department of Housing and
Urban Development, HUD announces the community's eligibility for the
sale of flood insurance and the community is then participating in the
program.
The HUD Mandatory Purchase of Flood Insurance Guidelines were
printed in the Federal Register on July 17, 1974 (39 FR 26186-93), and
were supplemented on April 14, 1975, (40 FR 16710).
POLICY:
The Act requires local jurisdictions encompassing designated special
flood hazard areas to participate in the program and purchase flood
insurance as a condition of receiving any form of Federal or Federally-
related assistance for construction purposes or for the acquisition of
any real or non-expendable personal property in an identified special
flood hazard area if the total cost of such activities is $10,000


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per structure or more. Each community has until one year after notifica-
tion of identification as a flood-prone community to enter the flood
insurance program (i.e., become a "participating" or "eligible" community)
or become ineligible for any Federal financial assistance for acquisition
or construction in the flood hazard area.
A community which has not entered the flood insurance program with-
in one year after notification of flood-prone status will be ineligible
to receive a Step 3 grant until it does enter the program if the insura-
ble portion of the proposed project is in a designated flood hazard
area.
Communities which have not yet been surveyed for flood-prone sta-
tus, or which have been surveyed but were notified of flood-prone status
less than a year before, do not have to be participating in the flood
insurance program to obtain a Step 3 grant. Upon completion of the year
after the notification, however, each community in this latter category
must participate in the flood insurance program prior to obtaining any
further grants for construction in flood hazard areas.
Grants may be awarded to non-participating communities where the
project is outside a designated area.
Where the prospective grantee is a "participating" community but
the grant would include the construction of an insurable facility in a
designated area of a non-participating neighboring jurisdiction (and
more than a year has elapsed since identification of the flood hazard
area) the failure of the neighboring jurisdiction to participate in
flood insurance prevents the award of the grant.
IMPLEMENTING PROCEDURE:
A. Insurance Requirements
Environmental Protection Agency grant regulations and procedures,
40 CFR 30.405-10, (40 FR 20232, May 8, 1975), require that the grantee
or the construction contractor (whichever party or parties has insurable
interest) must acquire any flood insurance made available to it under
the National Flood Insurance Act of 1968, as amended, if the value of
insurable improvements, is $10,000 per structure or more. Such insurance
must be purchased beginning with the period of construction and maintained
for the entire useful life of the project. HUD has interpreted the
statute as providing insurance only for grant projects involving a new
or reconstructed surface structure which is walled and roofed.
The amount of insurance required is the total project cost, exclud-
ing facilities which are uninsurable under the National Flood Insurance
Program such as bridges, dams, water and sewer lines (above or below

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ground) and underground structures and excluding the cost of the land,
or the maximum limit of coverage made available to the grantee under the
National Flood Insurance Act, whichever is less. The present maximum
limit for non-residential structures is $200,000 on the structure and
$200,000 on contents.
The grantee must certify, along with the first payment request in-
volving reimbursement for insurable construction, that he has purchased
the required flood insurance. The evidence of such insurance must be
available at all times for submission to the Project Officer on request
or for review in the grantee's offices.
i
Flood insurance is required for buildings during the course of
construction as well as for building materials or equipment stored in a
fully-enclosed structure adjacent to the building site, if the materials'
or equipment are scheduled to be incorporated into structures which are
eligible for insurance. The amount of flood insurance required at any
given time need not exceed the amount of the grantee's total disbursement
for insurable construction to date. While underground structures are
not insurable, foundations and footings of a structure which is primarily
above-ground are insurable and are subject to the insurance purchase
requirement since they are the initial stages of construction of the
above-ground portions of the structure.
If a Step 3 grant is made to a grantee which has previously been
assisted with respect to the same facility, the grantee must purchase
flood insurance on the previously assisted facility as well as on the
new construction. The amount of flood insurance required should be
based upon its current value, however, and not on the amount of assist-
ance previously provided.
Flood proofing does not eliminate nor reduce the requirement for
program participation or insurance but could affect the rate charged for
insurance.
The required insurance premium for the period of construction is an
allowable project cost.
B. List of Communities Ineligible for Step 3 Grants
A cumulative list of ineligible communities (i.e. those which were
designated as flood-prone a year or more before but have not met the
above requirement and are therefore prohibited from receiving a Step 3
grant for projects in designated flood hazard areas) is published during
the first week in each month by HUD in the Federal Register under the
title "National Flood Insurance Program, Flood-prone Areas of Communities

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Subject to July 1, 1975, Prohibition of Federal and Federally-Related
Assistance." This list will also contain the names of the communities
that face a qualification deadline sometime during that month. In
addition, an updated listing will be published on a weekly basis remov-
ing the names of those communities that have subsequently qualified.
In addition, each Regional Office receives HUD's book-size monthly
list of communities participating, suspended, withdrawn and not parti-
cipating (with flood hazard area identified) in the program. The Region-
al Office may request HUD/FIA Washington to place additional names on
the mailing list for this publication if more copies are needed.
C.	Regional Office Responsibilities
The Regional Office shall discuss flood insurance requirements with
all grant applicants at the pre-application conference. It should be
stressed that non-participating communities which have been designated
flood-prone for a year or more under the Flood Disaster Protection Act
will not be able to receive Step 3 grant assistance for a project in the
designated flood-prone area until they have entered the flood insurance
program, and that to qualify they must develop flood plain management
strategies in compliance with HUD guidelines as set forth in Title 24 of
the Code of Federal Regulations, Chapter 10, Subchapter B, commencing at
Part 1909. They will, however, be able to receive grant funds for Steps
1 and 2 without such participation.
Each region has the responsibility to make each community with a
Step 1 or Step 2 grant aware of the National Flood Insurance Program and
its requirements relative to Step 3 grant assistance.
Before awarding any Step 3 grant, the region shall check the most
current list of ineligible communities and communities about to become
ineligible to determine if the applicant or grant project is among them.
D.	Environmental Impact of Projects on Flood Plains
The environmental impact of projects on flood plains should be
analyzed in accordance with other facility planning guidance.
E.	Sources of Maps and Other Program Information
Flood hazard areas are shown on Flood Hazard Boundary Maps or Flood
Insurance Rate Maps issued by HUD at intervals. These maps are maintained
on file within each eligible community in a repository designated by the
chief executive officer. Maps, literature and policy application forms
and manuals are available from any National Flood Insurers Association

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servicing company. HUD Regional Flood Insurance Specialists are located
in each HUD Regional Office and should be utilized by EPA personnel to
answer questions relating directly to the operation of the flood insurance
program. Addresses of HUD Regional Flood Insurance Specialists and
State Coordination Agencies for Flood Insurance are attached as a portion
of the EPA Grants Information Guide, National Flood Insurance Program.
If these sources cannot assist, contact the Federal Insurance Administra-
tion, HUD, Washington, D.C. 20410, 202^755-5581 or toll free 800-424-
8872 or 8873.
F. Assistance From Headquarters
Any questions on the application of the policy to specific projects
should be referred to the Facility Requirements Branch, (202-426-9404),
Office of Water Program Operations or to the Grants Policy and Procedures
Branch (202-755-0860), Grants Administration Division, 0PM.
Attachment
REFERENCES:
The National Flood Insurance Act of 1968 (42 U.S.C. 4001-4127)
The Flood Disaster Protection Act of 1973 (PL 93-234)
HUD Mandatory Purchase of Flood Insurance Guidelines, 1974, (39 FR
26186-93), (40 FR-16710)
EPA Grant Regulations and Procedures (40 FR 20232, May 8, 1975)
(40 CFR 30.405-10)
National Flood Insurance Program, Flood Prone Areas of Communities
Federal Register-Monthly
Title 24, CFR, Chapter 10, Subchapter B, 1909-

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TJ.B. ENVIRONMENTAL PROTECTION AGENCY
		 WASHINGTON, D.C. 30460
			ORANTQ ADMINIDTRATION DIVISION
^	 a-HANTQ INFORMATION GUIDE
	
NATIONAL FLOOD INSURANCE PROGRAM
General
The National Flood Insurance Program is a Federally-subsidized
program authorized by the National Flood Insurance Act of 1968 (42
U.S.C. 4001-4127) to-protect property owners who previously had been
unable to get coverage through the private insurance industry. It is
administered by the Federal Insurance Administration, Department of
Housing and Urban Development. The program, for the first time,
made flood insurance available to individuals at affordable rates. In
return for the Federal subsidy, State and local governments are required
to adopt certain minimum floodplain management measures to reduce or
avoid future flood damage within their floodprone areas.
The Flood Disaster Protection Act of 1973 (P.L. 93-234, December 31,
1973) greatly expanded the available limits of flood insurance coverage
and imposed additional requirements on property owners and communities.
The Act required the purchase of flood insurance on and after
March 2, 1974, as a condition of receiving any form of Federal or
Federally-related assistance for construction purposes or for the acquisition
of any real or nonexpendable,personal property in an identified special flood
hazard area that is located within any community currently participating in
the National Flood Insurance Program. A "participating community," also
known as an "eligible community," is a community in which the Federal
Insurance Administration has authorized.the sale of flood insurance under
the National Flood Insurance Program.
For any community that was not participating in the program at the
time the assistance was approved, the statutory requirement for the purchase
of flood insurance did not apply. However, beginning July 1, 1975, or one
year after notification of identification as a flood-prone community,
whichever is later, the requirement applies to all identified special
flood hazard areas within the United States, which have been delineated
on Flood Hazard Boundary Maps or Flood Insurance Rate Maps issued by
the Department of Housing and Urban Development. Thereafter, no EPA
financial assistance can legally be approved for real or nonexpendable
personal property or for construction purposes in these areas unless
the community has entered the program and flood insurance is purchased.
Regulations
HUD regulations governing the National Flood Insurance Program
are set forth in Title 24 of the Code of Federal Regulations, Chapter 10,
Subchapter B, commencing at Part 1909.
Supersedes information sheet	iaoue Dat#:
dated August 8, 1974	Oranta Information Branoh (pubis)

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The final EPA general grant regulations published on the
Federal Register on May 8, 1974, include t're requirements for the
purchase of flood insurance as a condition of EPA assistance (AO CFR
30.405-10.)
EPA Grantee Requirements
1.	Wastewater treatment construction grants.
The grantee or the construction contractor, as appropriate, must
acquire flood insurance made available to it under the National Flood
Insurance Act of 1968, as amended, beginning with the period of construction
and maintain such insurance for the entire useful life of the project if
the total value of insurable improvements is $10,000 or more. The
amount of insurance required is the total project cost, excluding
facilities which are uninsurable under the National Flood Insurance
Program and excluding the cost of the land, or the maximum limit
of coverage made available to the grantee under the National Flood
Insurance Act, whichever is less. The required insurance premium
for the period of construction is an allowable project cost.
2.	Other grant programs.
The grantee must acquire and maintain any flood insurance made
available to it under the National Flood Insurance Act of 1968, as
amended, if the approved project includes (a) any incidental construction-type
activity, or (b) any acquisition of real or nonexpendable personal property,
and the total cost of such activities and acquisitions is $10,000 or more.
The amount of insurance required is the total cost of any insurable,
nonexpendable personal or real property acquired, improved, or
constructed, excluding the cost of land, as a direct cost under the grant,
or the maximum limit of coverage made available to the grantee under
the National Flood Insurance Act, as amended, whichever is less, for
the entire useful life of the property. The required insurance premium
for the period of project support is an allowable project cost.
If EPA provides financial assistance for nonexpendable personal property
to a grantee that the Agency has previously assisted with respect to real
estate at the same facility in the same location, EPA must require flood
insurance on the previously-assisted building as well as on the personal
property. The amount of flood insurance required on the building should
be based upon its current value, however, and not on the amount of assistance
previously provided.
Sources of insurance policies, maps, and program information
1. Insurance policies under the National Flood Insurance Program
can be obtained from any licensed property insurance agent or broker
serving the eligible community, or from the National Flood Insurers
Association (NFIA) servicing company for the State. A current listing
of servicing companies is enclosed.
(2)

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1. Flood Hazard Boundary Maps are LI• <: lirst maps prepared in the.
identification-process. These indicate the; locations of identified
special flood hazard areas and are always maintained on file within each
eligible (participating) community in a repository designated by the mayor
or chief executive officer, usually the building inspector's office or
the city clerk's office. The address of sucli repository is published
at 24 CFR 1914 and is.amended regularly in the Federal Register.
The Flood Insurance Rate Maps are issued later following a detailed study
of the flood hazard area. These maps delineate degrees of flood hazard
and include more precise area identification.
3.	Maps, literature, and policy application forms and manuals
are available for distribution from any NFIA servicing company. The servicing
companies are also equipped to answer questions on eligibility of communities,
scope of coverage, and maximum amounts of insurance available with respect
to particular types of buildings.
4.	Questions that cannot be answered by individual agents or brokers
or by the appropriate servicing company may be referred to the National
Flood Insurers Association, 1755 Jefferson Davis Highway, Alexandria, Va. ,
22202, telephone 703-920-2070; to the flood insurance representative at the
nearest HUD regional office (list enclosed); or to the Federal Insurance
Administration, HUD, Washington, D.C. 20410, 202-755-5581, or toll free
800-424-8872 (8873).
5.	Communities may obtain assistance from the appropriate State
Coordinating Agency in adopting the required flood plain nianagem«nt
regulations and qualifying for the program. A list of the State Coordinating
Agencies is also attached.
6.	Copies of statutes, program regulations, and community eligibility
application forms may be obtained from HUD regional offices or directly
from the Federal Insurance Administration in Washington, D.C.
(3)

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Department of Housing And Urban Development
REGIONAL FLOOD INSURANCE SPECIALISTS
REGION I
John F. Kennedy Federal Building
Room 1|05A
Boston, Massachusetts 02203
Telephone: (617) 223-2616 or 2709
(For Connecticut, Maine, Massachusetts,
New Hampshire, Rhode Island, Vermont)
REGION II
26 Federal Plaza
New York, New York 10007
Telephone: (212) 26[j-U756 or 802L
(For New Jersey, New York,
Puerto Rico)
REGION III
Curtis Building
Sixth and Walnut Streets
Philadelphia, Pennsylvania 19106
Telephone: (215) 597-9581
(For Delaware, District of Columbia,
Maryland, Pennsylvania, Virginia,
West Virginia)
REGION IV
1371 Peachtree Street, N.E.
Atlanta, Georgia 30309
Telephone: (I4OJ4) 526-2391
(For Alabama, Florida, Georgia,
Kentucky, Mississippi, North
Carolina, South Carolina, Tennessee)
REGION V
300 South Wacker Drive
Chicago, Illinois 60606
Telephone: (312) 353-0757
(For Illinois, Indiana, Michigan,
Minnesota, Ohio, Wisconsin)
REGION VI
New Federal Building
1100 Commerce Street
Dallas, Texas 75202
Telephone: (21U) 7^9-7^12
(For Arkansas, Louisiana, New
Mexic o, Oklahoma, Texas)
REGION VII
Federal Office Building
911 Walnut Street
Kansas City, Missouri 6I4IO6
Telephone: (8l6) 37^-2161
(For Iowa, Kansas, Missouri,
Nebraska)
REGION VIII
Federal Building
I96I Stout Street
Denver, Colorado 80202
Telephone: (303) 837-23^7
(For Colorado, Montana, North
Dakota, South Dakota, Utah,
Wyoming)
REGION IX
U$0 Golden-Gate Avenue
P. 0. Box 36OO3
San Francisco, California 9U102
Telephone: pending
(For Arizona, California, Hawaii,
Nevada)
REGION X
Room 3068 Arcade Plaza Building
1321 Second Avenue
Seattle, Washing-ton 98IOI
Telephone: (206) J+U2-1026
(For Alaska, Idaho, Oregon,
Washington)
(4)

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Department of Housing And Urban Development
STATE COORDINATING AGENCIES FOR FLOOD INSURANCE
ALABAMA
Alabama Development Office
Office of State Planning
State Office Building
501 Dexter Avenue
Montgomery, Alabama 36IOI+
ALASKA
Department of Community and
Regional Affairs
Division of Community Planning
Pouch B
Juneau, Alaska 99811
ARIZONA
Arizona State Land Department
162U W. Adams, Room I4OO
Phoenix, Arizona 8^007
ARKANSAS
Division of Soil and Water
Resources
State Department of Commerce
1920 West Capitol Avenue
Little Rock, Arkansas 72201
CALIFORNIA
Department of Water Resources
Post Office Box 388
Sacramento, California 95802
COLORADO
Colorado Water Conservation Board
Room 102
I8I4!? Sherman Street
Denver, Colorado 80203
CONNECTICUT
Department of Environmental
Protection
Division of Water and Related
Resources
Room 207, State Office Building
Hartford, Connecticut 06115
DELAWARE
Division of Soil and Water
Conservation
Department of Natural Resources
and Environmental Control
Tatnall Building, Capitol
Dover, Delaware 19901
FLORIDA
Department of Community Affairs
2571 Executive Center Circle East
Howard Building
Tallahassee, Florida 32301
GEORGIA
Department of Natural Resources
Office of Planning and Research
270 Washington Street, S. W. Rm. 707
Atlanta, Georgia 3033U
HAWAII
Division of Water and Land
Development
Department of Land and Natural
Resources
P. 0. Box 373
Honolulu, Hawaii 9&809
IDAHO
Department of Water Administration
State House - Annex 2
Boise, Idaho 83707
ILLINOIS
Governor's Task Force on Flood
Control
300 North State St.
P. 0. Box It7$, Rm. 1010
Chicago, Illinois 60610
INDIANA
Division of Water
Department of Natural Resources
608 State Office Building
Indianapolis, Indiana I4620I4
IOWA
Iowa Natural Resources Council
James W. Grimes Building
Des Moines, Iowa 50319
KANSAS
Division of Water Resources
State Department of Agriculture
State Office Building
Topeka, Kansas 66612
KENTUCKY
Division of Water
Kentucky Department of Natural
Resources
Capitol Plaza Office Tower
Frankfort, Kentucky 140601

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LOUISIANA
State Department of Public Works
P. 0. Box 1(1*155
Capitol Station
Baton Rouge, Louisiana 70801+
MAINE
Office of Civil Emergency
Preparedness
State House
Augusta, Maine 01+330
MARYLAND
Department of Natural Resources
Water Resources Division
State Office Building
Annapolis, Maryland 211+01
MASSACHUSETTS
Division of Water Resources
Water Resources Commission
State Office Building
100 Cambridge Street
Boston, Massachusetts 02202
MICHIGAN
Water Resources Commission
Bureau of Water Management
Stevens T. Mason Building
Lansing, Michigan 1+8926
MINNESOTA
Division of Waters, Soils and
Minerals
Department of Natural Resources
Centennial Office Building
St. Paul, Minnesota 55101
MISSISSIPPI
Mississippi Research and Develop-
ment Center
P. 0. Drawer 21+70
Jackson, Mississippi 39205
MISSOURI
Department of Natural Resources
Division of Program and Policy
Development
State of Missouri
308 East High Street
JefferBon, Missouri 65101
MONTANA
Montana Dept. of Natural Resources
and Conservation
Water Resources Division
32 South Ewing Street
Helena, Montana 59601
NEBRASKA
Nebraska Natural Resources.
Commission
Terminal Building, 7th Floor
Lincoln, Nebraska 68508
NEVADA
Division of Water Resources'
Department of Conservation
and Natural Resources
Nye Building
Carson' City, Nevada 89701
NEW HAMPSHIRE
Office of Comprehensive Planning
Division of Community Planning
State House Annex
Concord, New Hampshire 03301
NEW JERSEY
Bureau of Water Control
Department of Environmental
Protection
P. 0, Box 1390
Trenton, New Jersey 08625
NEW MEXICO
State Engineer's Office
Bataan Memorial Building
Santa Fe, New Mexico 87501
NEW YORK
New York State Department of
Environmental Conservation
Division of Resources Management
Services
Bureau of Water Management
Albany, New York 12201
NORTH CAROLINA
Division of Community Assistance
Department of Natural &
Economic Resources
P. 0. Box 27687
Raleigh, North Carolina 27611
(6)

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NORTH DAKOTA
State V^ter Commission
State Office Building
900 E. Boulevard
Bismarck, North Dakota 58501
OHIO
Ohio Dept. of Natural Resources
Flood Insurance Coor. Building
Fountain Square
Columbus, Ohio U322U
OKLAHOMA
Oklahoma Water Resources Board
22U1 Northwest Fortieth Street
Oklahoma City, Oklahoma 73112
OREGON
Executive Department
State of Oregon
Salem, Oregon 97310
PENNSYLVANIA
Department of Community Affairs
Commonwealth of Pennsylvania
Harrisburg, Pennsylvania 17120
PUERTO RICO
Puerto Rico Planning Board
1570 Ponce de Leon Avenue
Stop 22
Santurce, Puerto Rico 00908
RHODE ISLAND
R. I. Statewide Planning Program
265 Melrose Street
Providencej Rhode Island 02907
SOUTH CAROLINA
South Carolina Water Resources
Commission
P. 0. Box
Columbia, South Carolina 292l|0
SOUTH DAKOTA
State Planning Bureau
Office of Executive Management
State Capitol
Pierre, South Dakota 57501
TENNESSEE
Tennessee State Planning Office
660 Capitol Hill Building
Nashville, Tennessee 37219
TEXAS
Texas Water Development Board
P. 0. Box 13087
Capitol Station
Austin, Texas 78711
UTAH
Department of Natural Resources
Division of Water Resources
State Capitol Building, Rm. 1+35
Salt Lake City, Utah 8J4.HU
VERMONT
Management & Engineering Division
Water Resources Department
State Office Building
Montpellier, Vermont 05602
VIRGINIA
Bureau of Water Control
Management
State Water Control Board
Post Office Box IHI43
Richmond, Virginia 2323O
WASHINGTON
Department of Ecology
Olympia, Washington 98501
WEST VIRGINIA
Office of Federal-State Relations
Division of Planning & Development
Capitol Building, Rm. 150
Charleston, West-Virginia 25305
WISCONSIN
Department of Natural Resources
P. 0. Box 1*50
Madison, Wisconsin 53701
WYOMING
Wyoming Disaster and Civil
Defense Agency
P. 0. Box 1709
Cheyenne, Wyoming 82001
(7)

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Department of Housing And Urban Development
National Flood Insurance Program
List of Servicing Company Offices
March 1, 1975
ALABAMA	DELAWARE
The Hartford Insurance Group	General Accident F &. L Assuxance
Hartford Building	Corp. Ltd.
100 Edgewood Avenue	UlU Walnut Street
Atlanta, Georgia 30301	Philadelphia, Pennsylvania 19106
Phone: (I4OI+) 521-20$?	Phone: (215) 238-5000
ALASKA
Industrial Indemnity Co. of Alaska
P. 0. Box 307
Anchorage, Alaska 99510
Phone: (907) 279-9W»1
ARIZONA
Aetna Technical Services Inc.
Suite 901
3003 North Central Avenue
Phoenix, Arizona 85012
Phone: (602) 26U-2621
ARKANSAS
The Travelers Indemnity Company
700 South University
Little Rock, Arkansas 72203
P. 0. Box 51
Phone: (501) 661*-5085
CALIFORNIA-NORTHERN
Fireman's Fund American Insurance
Companies
P. 0. Box 3136
San Francisco, California 9UH9
Phone: (I4I5) U21-1676
CALIFORNIA-SOUTHERN
Fireman's Fund American Insurance
Companies
P. 0. Box 2323
Los Angeles, California 90051
Phone: (213) 381-311*1
COLORADO
CNA Insurance
1660 Lincoln-Suite 'lSOO
Denver, Colorado 80203
Phone: (303) 266-0561
CONNECTICUT
Aetna Insurance Company
P. 0. Box 1779
Hartford, Connecticut 06101
Phone: (203) 523-J486I
FLORIDA
The Travelers Indemnity Company
1516 East Colonial. Drive
Orlando, Florida 32803
Phone: (305) 896-2001
GEORGIA
The Hartford Insurance Group
Hartford Building
100 Edgewood Avenue
Atlanta, Georgia 30301
Phone: (l+OU) 521-2059
HAWAII
First Insurance Co. of Hawaii, Ltd.
P. 0. Box 2866
Honolulu, Hawaii 96803
Phone: (808) 5U8-$11
IDAflO
Aid Insurance Company
Snake River Division
18U5 Federal Way-
Boise, Idaho 83701
Phone: (208) 3143-4931
ILLINOIS
State Farm Fire & Casualty Co.
Illinois Regional Office
2309 E. Oakland Avenue
Bloomington, Illinois 61701
Phone: (309) 557-7211
INDIANA
United Farm Bureau Mutual Insurance
130 East Washington Street
Indianapolis, Indiana U620U
Phone: (317) 263-7200
I0V/A
Employers Mutual Casualty Company
P. 0. Box 88L4
Des Moines, Iowa 5030U
Phone: (5l5) 280-2511
(8)

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KANSAS
Royal-Globe Insurance Companies
1125 Grand Avenue
Kansas City, Missouri 61+lUl
Phone: (816) 81+2-6116
KENTUCKY
CNA Insurance
580 Walnut Street
Cincinnati, Ohio 1+5202
Phone: (513) 621-7107
LOUISIANA
Aetna Technical Services, Inc.
P. 0. Box 61003
New Orleans, Louisiana 70160
Phone: (501+) 821-1511
MAINE
Commercial Union Insurance Company
c/o Campbell, Payson & Noyes
27 Pearl St., Box 527 Pearl St. Station
Portland, Maine 01+116
Phone: (207) 77l+-ll»31
MARYLAND
U.S. Fidelity & Guaranty Company
P. 0. Box 1138
Baltimore, Maryland 21203
Phone: (30l) 539-0380
MASSACHUSETTS-EASTERN
Commercial Union Insurance Company
1 Beacon Street
Boston, Massachusetts 02108
Phone: (617) 725-6128
MASSACHUSETTS-WESTERN
Aetna Insurance Company
P.O. Box 1779
Hartford, Connecticut 06101
MICHIGAN
Insurance Company of North America
Room 300-Buhl Building
Griswold & Congress Streets
Detroit, Michigan 1+82-26
Phone: (313) 963-I+III+
MINNESOTA-EASTERN
The St. Paul Fire & Marine
Company
P. 0. Box 3U70*
St. Paul, Minnesota 55165
Phone: (612) 222-7751
MINNESOTA-WESTERN
The St. Paul Fire & Marine 1
Company
7900 Xerxes Avenue South
Minneapolis, Minnesota 55U31
Phone: (612) 835-2600
MISSISSIPPI
The Travelers Indemnity Compai
5360 Interstate 55 North
P.- 0. Box 2361
Jackson, Mississippi 39205
Phone: (60l) 956-5600
MISSOURI-EASTERN
MFA Insurance Companies
1817 West Broadway
Columbia, Missouri 65201
Phone: (311+) Z4+5-8UU1
MISSOURI-WESTERN
Royal-Globe Insurance Companies
1125 Grand Avenue
Kansas City, Missouri 6)|11|1
Phone: .(8l6) 81*2-6116
MONTANA
The Home Insurance Company
8 Third Street N.-P.0. Box 1031
Great Falls, Montana 591*01
Phone: (1+06) 761-8110
NEBRASKA
Royal-Globe Insurance Companies
1125 Grand Avenue
Kansas City, Missouri 61+11+1
Phone: (816) 81+2-6116
NEVADA
The Hartford Insurance Group
P. 0. Box 500
Reno, Nevada 89501+
Phone: (702) 329-1061
(9)

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NEW HAMPSHIRE
Commercial Union Insurance Company
1 Beacon"Street
Boston, Massachusetts 02108
Phone: (617) 725-6128
NEW JERSEY
Great American Insurance Company
5 Dakota Drive
Lake Success, New York 110l;0
Phone: (201) 22U-1+200
HEW MEXICO
CNA Insurance
1660 Lincoln St., Suite 1800
Denver, Colorado 80203
Phone: (303) 266-0561
NEW YORK
Great American Insurance Company
5 Dakota Drive
Lake Success, New York 110l|0
Phone: ($16) 775-6900
NORM CAROLINA
Kemper Insurance
1229 Greenwood Cliff
Charlotte, North Carolina 28201+
Phone: (70U) 372-7150
NORTH DAKOTA
The St. Paul Fire & Marine Insurance
Company
25U Hamm Building
1+08 St. Peter Street
St. Paul, Minnesota 55102
Phone: (612) 227-9581
OHIO-NORTHERN
Commercial Union Insurance Company
1300 East 9th St.
Cleveland, Ohio U+lli;
Phone: (216) 522-1060
OHIO-SOUTHERN
CNA Insurance
580 Walnut Street
Cincinnati, Ohio 1(5202
Phone: (513) 621-7107
£U.S. GOVERNMENT PRINTING OFFICE; 1977-0-7 79-709-21
OKLAHOMA
]>'"pub 1 ic-Vanguard Insurance Group
]\ 0. Box 3000
Dalian, Texas 75221
Phone: (2lU) 528-0301
OREGON
State Farm Fire & Casualty Company
I46OO 25th Avenue, N.E.
Salem, Oregon 97303
Phone: (503) 393-0101
PENNSYLVANIA
General Accident F & L Assurance
Corp., Ltd.
UII4 Walnut Street
Philadelphia, Pennsylvania 19106
Phone: (215) 238-5512
PUERTO RICO
I.S.O. of Puerto Rico
Penthouse 7th Ochoa Bldg.
7th floor, P.O. Box 1333
San Juan, Puerto Rico 00902
Phone: (809) 723-0000
RHODE ISLAND
American Universal Insurance Co.
lUU Wayland Avenue
Providence, Rhode Island 02901*
Phone: (1*01) 351-1*600
SOUTH CAROLINA
Maryland Casualty Company
P. 0. Box*11615'
Charlotte, North Carolina 28209
Phone: (701*) 525-8330
SOUTH DAKOTA
The St. Paul Fire 6c Marine Insurance Co.
2$1* Hamm Building
1*08 St. Peter Street
St. Paul, Minnesota 55102
Phone: (612) 227-9581
TENNESSEE
CNA Insurance
110-21st Avenue South
Nashville, Tennessee 37203
Phone: (6l5) 327-0061
(10)'

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