44 C.F.R. § 61.4 : Emergency Management and Assistance — FEDERAL EMERGENCY MANAGEMENT AGENCY, DEPARTMENT OF HOMELAND SECURITY — INSURANCE AND HAZARD MITIGATION — INSURANCE COVERAGE AND RATES — Special terms and conditions
(a) No new flood insurance or renewal of flood insurance policies will be written for properties declared by a duly constituted State or local zoning or other authority to be in violation of any floodplain, mudslide (
i.e., mudflow), or flood-related erosion area management or control law, regulation, or ordinance.
(b) In order to reduce the administrative costs of the Program, of which the Federal Government pays a major share, applicants must pay the full policy premium at the time of application.