When a state requirement is more stringent than NFIP regulations, which rules should a community adhere to?

When a state requirement is more stringent than NFIP regulations, a community must adhere to the state regulations. This principle is rooted in the understanding that state regulations can offer additional protections and may address local conditions, such as higher flood risks or specific environmental considerations that the NFIP may not fully encompass.

Following state regulations ensures that communities are not only complying with federal standards but also taking into account the unique aspects of their geographical and environmental contexts. This adherence supports better floodplain management and community resilience, which are essential in mitigating flood risks and protecting public safety.

In contrast, the NFIP guidelines serve as the minimum standard, so communities must elevate their practices when state regulations impose stricter requirements. Not complying with state regulations could jeopardize local approval and funding, as well as risk the safety and welfare of residents in the face of flooding.