LAKE DELTON, Wis. -- Village of Lake Delton officials on Wednesday promised to come up with a full report on how the village had its eligibility suspended from the Federal Emergency Management Agency's National Flood Insurance Program.

VIDEO: Watch The Report

As WISC-TV first reported Tuesday, FEMA suspended the village from eligibility in the program seven years ago after the village failed to formally adopt an updated floodplain map called a Flood Insurance Rate Map, or FIRM.

The village president won't comment, but on Tuesday the village clerk and engineer said the map wasn't adopted because of "gross inaccuracies" in how FEMA expanded the floodplain.

But FEMA regional out of Chicago told WISC-TV that the village had more than three years to appeal the flood zone map before it was formally adopted in March of 2001 -- but it never did.

And there is no record of a formal map revision petition from the village since the map was adopted without their endorsement, and Lake Delton was suspended from the national flood program.

Had the issue been resolved and the village remained eligible for the program, those who lost homes Monday could have bought flood insurance and would have been covered, according to state officials who work with FEMA.

Now, homeowners like Tim Fromm, who lost his property, home and lakeshore, are looking for help -- and for answers from the village.

Some village officials Wednesday said they weren't sure what happened with the discrepancy over the 100-year flood elevation, which is the basis for the federal floodplain map. They promised, however, to find out.

"We're in the process of trying to investigate the chronological order of events that deal with that," said Tom Diehl, a village board member and owner of the Tommy Bartlett Show.

"I'm sure the village and FEMA will correct everything and make sure the situation can't arise again," said Village of Lake Delton attorney Richard Cross.

But that's too little too late for some homeowners, and the lack of flood insurance might even be a barrier to how federal disaster aid is doled out to individuals and the village if indeed a federal disaster is declared.

FEMA officials told WISC TV they're still trying to figure out how that would work.

Diehl also said Wednesday what that happened Monday wasn't a flood but rather an unforeseeable "catastrophic" event. And now, his "business interruption" insurance for business isn't kicking in, because his insurer is maintaining he should have had flood insurance.

About 75 to 80 percent of Wisconsin communities participate in the NFIP. The program is voluntary and any community can participate and sign up at any time.

But some communities in the area also do not participate in NFIP and are experiencing flooding. They include: Cazenovia in Richland County; the city of Columbus; Fall River in Columbia County; Lavalle and Loganville in Sauk County; Shorewood Hills in Dane County; and the Village of Union Center in Juneau County.