A Coastal Barrier Resource Area (CBRA) is a geographic area designated by Congress that is protected from development because of its rich biological habitats and geologic features. Since the passage of the Coastal Barrier Resources Act of 1982, federal funds in the form of a loan, insurance payment, subsidy, grant, or guarantee are prohibited except for certain emergency situations. No federally backed loans can be made for the purpose of constructing or purchasing improved property in a CBRA. Federal flood insurance is not available on properties that were built, or substantially improved, after the area was designated as a CBRA. Even though conventional loans can be made to purchase improved property in these areas, lending institutions should be aware that such loans would not be protected by flood insurance. As for the mandatory purchase of flood insurance requirements, lending institutions are required to determine if the buildings on these properties are within the Special Flood