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Frequently Asked Questions

 

The following information will provide more details about flood mapping and related issues:
Flood Mapping
National Flood Insurance Program​
Homeowners​
Engineers, Surveyors and Architects​
Insurers and Lenders​
Local Floodplain Managers​
Letters of Map Change​
 

 

Flood Mapping

What is a Flood Map?

What is a Flood Insurance Rate Map (FIRM) and how do I use it?

How are the flood maps created?

How will my community receive the new flood maps and flood insurance study?

Why are the maps being updated?

Who is paying for the new flood maps?

How are special flood hazard areas and base flood elevations determined?

Where can I view a physical hard copy of my community's flood map to determine if my property is located in the flooding area?

Where can I obtain a copy of the flood map and the flood insurance study for my community?

Which zones on the flood maps require the purchase of flood insurance?

When was the last update to the Flood Insurance Rate Maps (FIRM) for my community?

How do I change or correct a flood map?

How long does the map change process take?

What is the process for developing an updated flood map for my community?

What do the different flood hazard designations mean?

What is a flood insurance study (FIS)?

Do coastal flood zones differ from other special flood hazard areas?

 

National Flood Insurance Program 

Why is floodplain management important?

What is a Special Flood Hazard Area (SFHA)?

What is the base flood?

How do I determine if my home is in a special flood hazard area?

What happens if a community does not participate in the NFIP?

What is the role of the community in floodplain management?

Is flood insurance mandatory for homes in a special flood hazard area?

How much does flood insurance cost?

Can I purchase flood insurance through the National Flood Insurance Program (NFIP) if my home is not in a special flood hazard area?

What is a floodway?

What is freeboard?

My house is not in a floodplain according to the current map, but the new map will show it as being in a floodplain. Will I have to purchase flood insurance when the new map officially takes effect?

I have flood insurance, and my house is in a floodplain according to the current map. The new map, however, shows my house outside the special flood hazard area. Will I have to continue carrying flood insurance when the new map officially takes effect?

My house was built to the flood elevation shown on the current map (or a previous map). On the new map, my house will remain in the floodplain, but the flood elevation will increase. What will happen to my insurance premium when the new map officially takes effect?

My house was built to the flood elevation shown on the current map (or a previous map). On the new map, my house will remain in the floodplain, but the elevation will decrease. What will happen to my insurance premium when the new map officially takes effect?

My house was built in Zone AE to the flood elevation in effect at the time of construction. On the new map, my house will remain in the floodplain, but the zone designation will be changed to Zone VE. What will happen to my insurance premium when the new map officially takes effect?

My house is shown as being in Zone VE on the current map. On the new map, my house will remain in the floodplain, but the zone designation will be changed to Zone AE. What will happen to my insurance premium when the new map officially takes effect?

My house is in a floodplain according to the current map. On the new map, my house will remain in the floodplain, but the flood elevation will be increased. Will my house be considered to be in violation of NFIP regulations when the new map officially takes effect?

My house is in a floodplain. What do I do if I want to build an addition or otherwise improve it?

Why does my mortgage lender require me to buy flood insurance?

Why do I need flood insurance, even though my community has never been flooded?

Who do I contact if I want to purchase a flood insurance policy?

Where can I find more information about the maps that were used to determine my relative risk level for flood?

I live in a low-risk flood zone. Do I really need flood insurance?

How many structures (and their contents) may be insured on each Flood Insurance policy?

Does flood insurance cover flood damage caused by hurricanes, rivers, or tidal waters?

If my home is flooded, won't federal disaster assistance pay for my damages?

How can I get flood insurance?

Doesn't my homeowners’ insurance policy cover flooding?

I live in a high-risk risk area. After my home was damaged in a flood, I received federal disaster assistance. Do I need to purchase flood insurance now?

 

Homeowners

New maps (preliminary or effective) show my home now to be located in a Special Flood Hazard Area (SFHA); how does this affect my property and me?

I have looked at the Flood Insurance Rate Map (FIRM) for the area of my property and think the map is wrong. How can the map be changed?

 

Engineers, Surveyors and Architects

How do I determine a Base Flood Elevation (BFE) for an approximate Zone A area?

Where can I obtain the backup or supporting data for a Flood Insurance Study (FIS)?

What are the FEMA requirements for removing a structure from the Special Flood Hazard Area (SFHA)?

When should I request a revision to a Flood Insurance Rate Map (FIRM)?

Who can prepare an Elevation Certificate?

 

Insurers and Lenders

What are some options a property owner has to potentially remove the flood insurance requirement?

 

Local Floodplain Managers

By signing the Community Acknowledgement Form (MT-1 Form), to what am I attesting? What is the difference between Sections A and B?

What are the community's responsibilities in the Conditional Letter of Map Revision (CLOMR)/Letter of Map Revision (LOMR) process?

 

Letters of Map Change

What is a LOMC?

What are the different types of Letters of Map Change (LOMCs)?

How long does it take to obtain a Letter of Map Amendment (LOMA) or a Letter of Map Revision Based on Fill (LOMR-F)?

 

 

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