| Substantial Improvement/Substantial Damage Desk ReferenceTo
participate in the National Flood Insurance Program (NFIP), communities
must adopt and enforce regulations and codes that apply to new
development in Special Flood Hazard Areas (SFHAs). Local floodplain
management regulations and codes contain minimum NFIP requirements that
apply not only to new structures, but also to existing structures which
are ?substantially improved (SI)? or ?substantially damaged (SD).? This
Desk Reference provides practical guidance and suggested procedures to
implement the NFIP requirements for SI/SD.
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