Final answer:
The federal government's Flood Insurance Program mandates that participating communities implement land-use controls to mitigate flood risks and maintain reasonable insurance rates.
Step-by-step explanation:
The federal government's Flood Insurance Program requires participating communities to establish land-use controls. This intervention aims to reduce the risk of flood damage and ensure that insurance is available at reasonable rates, particularly in areas prone to flooding. The program thus encourages communal measures to mitigate flood risk rather than offering direct financial benefits like free insurance or excluding certain socioeconomic groups from coverage.