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<title>FEMA Flood Insurance &amp; Cabins on Federal Land</title>
<link>https://www.nationalforesthomeowners.org/forums/posts.aspx?topic=1787814</link>
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<lastBuildDate>Wed, 24 Jun 2026 10:40:23 GMT</lastBuildDate>
<pubDate>Mon, 5 Aug 2024 19:13:30 GMT</pubDate>
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<title>FEMA Flood Insurance &amp; Cabins on Federal Land</title>
<link>https://www.nationalforesthomeowners.org/forums/posts.aspx?topic=1787814</link>
<guid>https://www.nationalforesthomeowners.org/forums/posts.aspx?topic=1787814</guid>
<description><![CDATA[<p>Hello everyone,</p>
<p>I searched the forum and didn't see these question asked. Hopefully someone knows the answers or can provide an educated guess.</p><p><strong><span style="text-decoration: underline;">Question #1:</span></strong></p><p>I read this item in the FAQ for the Cabin Program Restoration Act (<a href="https://cdn.ymaws.com/www.nationalforesthomeowners.org/resource/collection/E8A37F70-A204-4D45-AC7C-E3666DAA8854/CPRA_One_pager_v2.pdf">link</a>):</p>
<p><span style="color: #4f81bd;">Problem: FEMA will not assist in post-disaster clean-up.</span></p>
<p><span style="color: #4f81bd;">Solution: The destroyed structures are private debris on federal land. Direct FEMA to allow states and
counties to apply clean-up funds toward debris removal and remediation from the remains of
privately-owned structures on public lands after a federal disaster.</span></p>
<p>I read the above to mean that FEMA post-disaster funds (issued to states / counties) cannot be used for private property - such as our cabins - located on USFS lands. But what if the disaster was a flood, where you had purchased a FEMA NFIP flood insurance policy? Is this type of FEMA policy valid for private property located on federal lands?</p><p>The reason I ask: many years ago after a wildfire, we purchased a FEMA NFIP policy through our insurance agent for our cabin, but eventually let the policy expire. But others in our Association may still be paying for a NFIP policy for their cabins, but maybe the policy isn't valid for private property on federal lands.</p><p> </p><p><strong><span style="text-decoration: underline;">Question #2:</span></strong></p><p>Our USFS permit contains the following language (FS-2700-5a V.01/2014):</p><p><span style="color: #4f81bd;">FLOOD DAMAGE. The lands covered by this permit are in a floodplain or floodway. This permit is issued with the specific understanding that if the authorized improvements are </span><span style="background-color: #ffff00; color: #4f81bd;">substantially damaged and made uninhabitable by a flood, the permit shall terminate</span><span style="color: #4f81bd;"> and the remaining improvements shall be removed within 90 days. If damage to the improvements is not substantial, they may be repaired and allowed to remain if they can be flood-proofed without affecting flows in the floodplain or floodway.</span></p><p>If a cabin is substantially damaged by a flood such that the permit terminates, then would an "Offer of an In-Lieu Lot" apply if one is available, or is the cabin owner SOL?</p><p><span style="color: #4f81bd;">OFFER OF AN IN-LIEU LOT: Upon revocation (other than revocation for noncompliance) or upon notification that a new permit will not be issued after expiration of this permit, the authorized officer may offer an in-lieu lot, if available, to the holder for building or relocation a recreate residence. ...</span></p><p>Thank you!</p>]]></description>
<pubDate>Sat, 3 Aug 2024 23:58:24 GMT</pubDate>
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<title>Response</title>
<link>https://www.nationalforesthomeowners.org/forums/posts.aspx?topic=1787825</link>
<guid>https://www.nationalforesthomeowners.org/forums/posts.aspx?topic=1787825</guid>
<description><![CDATA[<p><span style="font-size: 13px; color: #000000;">Question #1) Currently, FEMA debris removal/recovery funds can not be used to benefit another Federal agency.&nbsp; Even though our cabins are private property, FEMA's position is that by assisting cabin owners with cabins located on public National Forests, they are indirectly assisting the Forest Service.&nbsp; We disagree with their position, thus the reason we are trying&nbsp; through the CPRA to <span><strong>require</strong></span> FEMA to assist cabin owners and provide the same debris removal assistance they provide homeowners on private land. I'm not an expert on FEMA flood insurance, but because it's an insurance policy paid for by the cabin owner, I don't think FEMA has the same concern as the use of taxpayer dollars for debris removal (different set of laws). I suggest seeking verification from an insurance agent experienced with FEMA flood insurance.</span></p><p><span style="font-size: 13px; color: #000000;">Question #2) Currently, the FS line officer (District Ranger) can offer an in-lieu lot when a cabin is destroyed or substantially damaged (&gt;50%) by a natural disaster such as a fire or flood, but they are not required to do so.&nbsp; The CPRA would change the in-lieu lot clause to <span><strong>require</strong></span> the FS line officer to offer an in-lieu lot for the cabin owner to rebuild the cabin on alternative suitable lot at the owner's expense.</span></p>]]></description>
<pubDate>Sun, 4 Aug 2024 18:57:01 GMT</pubDate>
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<link>https://www.nationalforesthomeowners.org/forums/posts.aspx?topic=1787912</link>
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<description><![CDATA[Thank you!]]></description>
<pubDate>Mon, 5 Aug 2024 20:13:30 GMT</pubDate>
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