The Coastal Barrier Resources Act ("CBRA") has been enacted in response to concerns about the fragile nature of coastal barriers and their exposure to coastal storms. The intent of this act is to remove the federal government from financing associated with building and rebuilding, thus limiting development in these areas. Flood Insurance is not available in CBRA designated areas. Claim settlements are delayed if the NFIP does not have substantiation in file that the dwelling is not located in a CBRA area. Most agents can arrange for a certified flood zone determination.