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What is the status of a community that applied to be part of the National Flood Insurance Program but has not yet been approved?

  1. They are in the emergency program

  2. They are fully insured under the regular program

  3. They have no flood insurance coverage

  4. They are provisionally insured under a temporary policy

The correct answer is: They are in the emergency program

When a community applies to be part of the National Flood Insurance Program, they are automatically placed in the emergency program while their application is being reviewed. This means that they have some level of flood insurance coverage, but it is limited and may not cover all possible damages. Options B and C are incorrect because the community is not yet approved for the regular program, so they cannot be fully insured or have no coverage. Option D is also incorrect because the community is not provisionally insured, they are in the emergency program.