source:
  type: regulation
  id: flood-42usc-4001
  authority: National Flood Insurance Act (42 U.S.C.) § 4001 — Congressional findings and declaration of purpose
  description: 'National Flood Insurance Act (42 U.S.C.), §4001 Congressional findings and declaration of purpose.
    Captured section-complete from Cornell LII (verbatim).

    '
obligations:
- id: flood-42usc-4001-a
  canonical_id: flood-42usc-4001-a
  section: 42 U.S.C. §4001(a)
  description: 'Congressional findings and declaration of purpose — (a): (a) Necessity and reasons for flood insurance
    program The Congress finds that (1) from time to time flood disasters have created personal hardships and economic
    distress which have required unforeseen disaster relief measures and have placed an increasing burden on the
    Nation’s resources; (2) despit…'
  type: reference
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: National Flood Insurance Act (42 U.S.C.) § 4001
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/42/4001
    snapshot_id: b78434849d938ee6
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9fa96201d5303af4285948d797ca1fe13f3461be57d7c40c2f9b6f924d0bb0bd
    paragraph_quote: (a) Necessity and reasons for flood insurance program The Congress finds that (1) from time
      to time flood disasters have created personal hardships and economic distress which have required unforeseen
      disaster relief measures and have placed an increasing burden on the Nation’s resources; (2) despite the installation
      of preventive and protective works and the adoption of other public programs designed to reduce losses caused
      by flood damage, these methods have not been sufficient to protect adequately against growing exposure to
      future flood losses; (3) as a matter of national policy, a reasonable method of sharing the risk of flood
      losses is through a program of flood insurance which can complement and encourage preventive and protective
      measures; and (4) if such a program is initiated and carried out gradually, it can be expanded as knowledge
      is gained and experience is appraised, thus eventually making flood insurance coverage available on reasonable
      terms and conditions to persons who have need for such protection.
    drafter_attestation: Verbatim slice of 42 U.S.C. §4001 subsection (a) from Cornell LII snapshot b78434849d938ee6;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: flood-42usc-4001-b
  canonical_id: flood-42usc-4001-b
  section: 42 U.S.C. §4001(b)
  description: 'Congressional findings and declaration of purpose — (b): (b) Participation of Federal Government
    in flood insurance program carried out by private insurance industry The Congress also finds that (1) many factors
    have made it uneconomic for the private insurance industry alone to make flood insurance available to those
    in need of such protection on reasona…'
  type: reference
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: National Flood Insurance Act (42 U.S.C.) § 4001
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/42/4001
    snapshot_id: b78434849d938ee6
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9fa96201d5303af4285948d797ca1fe13f3461be57d7c40c2f9b6f924d0bb0bd
    paragraph_quote: (b) Participation of Federal Government in flood insurance program carried out by private insurance
      industry The Congress also finds that (1) many factors have made it uneconomic for the private insurance industry
      alone to make flood insurance available to those in need of such protection on reasonable terms and conditions;
      but (2) a program of flood insurance with large-scale participation of the Federal Government and carried
      out to the maximum extent practicable by the private insurance industry is feasible and can be initiated.
    drafter_attestation: Verbatim slice of 42 U.S.C. §4001 subsection (b) from Cornell LII snapshot b78434849d938ee6;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: flood-42usc-4001-c
  canonical_id: flood-42usc-4001-c
  section: 42 U.S.C. §4001(c)
  description: 'Congressional findings and declaration of purpose — (c): (c) Unified national program for flood
    plain management The Congress further finds that (1) a program of flood insurance can promote the public interest
    by providing appropriate protection against the perils of flood losses and encouraging sound land use by minimizing
    exposure of property to flood l…'
  type: reference
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: National Flood Insurance Act (42 U.S.C.) § 4001
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/42/4001
    snapshot_id: b78434849d938ee6
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9fa96201d5303af4285948d797ca1fe13f3461be57d7c40c2f9b6f924d0bb0bd
    paragraph_quote: (c) Unified national program for flood plain management The Congress further finds that (1)
      a program of flood insurance can promote the public interest by providing appropriate protection against the
      perils of flood losses and encouraging sound land use by minimizing exposure of property to flood losses;
      and (2) the objectives of a flood insurance program should be integrally related to a unified national program
      for flood plain management and, to this end, it is the sense of Congress that within two years following the
      effective date of this chapter the President should transmit to the Congress for its consideration any further
      proposals necessary for such a unified program, including proposals for the allocation of costs among beneficiaries
      of flood protection.
    drafter_attestation: Verbatim slice of 42 U.S.C. §4001 subsection (c) from Cornell LII snapshot b78434849d938ee6;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: flood-42usc-4001-d
  canonical_id: flood-42usc-4001-d
  section: 42 U.S.C. §4001(d)
  description: 'Congressional findings and declaration of purpose — (d): (d) Authorization of flood insurance program;
    flexibility in program It is therefore the purpose of this chapter to (1) authorize a flood insurance program
    by means of which flood insurance, over a period of time, can be made available on a nationwide basis through
    the cooperative efforts of the Fed…'
  type: reference
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: National Flood Insurance Act (42 U.S.C.) § 4001
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/42/4001
    snapshot_id: b78434849d938ee6
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9fa96201d5303af4285948d797ca1fe13f3461be57d7c40c2f9b6f924d0bb0bd
    paragraph_quote: (d) Authorization of flood insurance program; flexibility in program It is therefore the purpose
      of this chapter to (1) authorize a flood insurance program by means of which flood insurance, over a period
      of time, can be made available on a nationwide basis through the cooperative efforts of the Federal Government
      and the private insurance industry, and (2) provide flexibility in the program so that such flood insurance
      may be based on workable methods of pooling risks, minimizing costs, and distributing burdens equitably among
      those who will be protected by flood insurance and the general public.
    drafter_attestation: Verbatim slice of 42 U.S.C. §4001 subsection (d) from Cornell LII snapshot b78434849d938ee6;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: flood-42usc-4001-e
  canonical_id: flood-42usc-4001-e
  section: 42 U.S.C. §4001(e)
  description: 'Congressional findings and declaration of purpose — (e): (e) Land use adjustments by State and local
    governments; development of proposed future construction; assistance of lending and credit institutions; relation
    of Federal assistance to all flood-related programs; continuing studies It is the further purpose of this chapter
    to (1) encourage State and l…'
  type: reference
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: National Flood Insurance Act (42 U.S.C.) § 4001
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/42/4001
    snapshot_id: b78434849d938ee6
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9fa96201d5303af4285948d797ca1fe13f3461be57d7c40c2f9b6f924d0bb0bd
    paragraph_quote: (e) Land use adjustments by State and local governments; development of proposed future construction;
      assistance of lending and credit institutions; relation of Federal assistance to all flood-related programs;
      continuing studies It is the further purpose of this chapter to (1) encourage State and local governments
      to make appropriate land use adjustments to constrict the development of land which is exposed to flood damage
      and minimize damage caused by flood losses, (2) guide the development of proposed future construction, where
      practicable, away from locations which are threatened by flood hazards, (3) encourage lending and credit institutions,
      as a matter of national policy, to assist in furthering the objectives of the flood insurance program, (4)
      assure that any Federal assistance provided under the program will be related closely to all flood- related
      programs and activities of the Federal Government, and (5) authorize continuing studies of flood hazards in
      order to provide for a constant reappraisal of the flood insurance program and its effect on land use requirements.
    drafter_attestation: Verbatim slice of 42 U.S.C. §4001 subsection (e) from Cornell LII snapshot b78434849d938ee6;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: flood-42usc-4001-f
  canonical_id: flood-42usc-4001-f
  section: 42 U.S.C. §4001(f)
  description: 'Congressional findings and declaration of purpose — (f): (f) Mudslides The Congress also finds that
    (1) the damage and loss which results from mudslides is related in cause and similar in effect to that which
    results directly from storms, deluges, overflowing waters, and other forms of flooding, and (2) the problems
    involved in providing protection agains…'
  type: reference
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: National Flood Insurance Act (42 U.S.C.) § 4001
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/42/4001
    snapshot_id: b78434849d938ee6
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9fa96201d5303af4285948d797ca1fe13f3461be57d7c40c2f9b6f924d0bb0bd
    paragraph_quote: (f) Mudslides The Congress also finds that (1) the damage and loss which results from mudslides
      is related in cause and similar in effect to that which results directly from storms, deluges, overflowing
      waters, and other forms of flooding, and (2) the problems involved in providing protection against this damage
      and loss, and the possibilities for making such protection available through a Federal or federally sponsored
      program, are similar to those which exist in connection with efforts to provide protection against damage
      and loss caused by such other forms of flooding. It is therefore the further purpose of this chapter to make
      available, by means of the methods, procedures, and instrumentalities which are otherwise established or available
      under this chapter for purposes of the flood insurance program, protection against damage and loss resulting
      from mudslides that are caused by accumulations of water on or under the ground. ( Pub. L. 90–448, title XIII,
      § 1302 , Aug. 1, 1968 , 82 Stat. 572 ; Pub. L. 91–152, title IV, § 409(a) , Dec. 24, 1969 , 83 Stat. 397 ;
      Pub. L. 93–234, title I, § 108(a) , Dec. 31, 1973 , 87 Stat. 979 ; Pub. L. 103–325, title V, § 552(d) , Sept.
      23, 1994 , 108 Stat. 2269 .)
    drafter_attestation: Verbatim slice of 42 U.S.C. §4001 subsection (f) from Cornell LII snapshot b78434849d938ee6;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
