How will the new flood hazard maps affect me?

Flood risks change over time, and new maps will likely result in changes to SFHA boundaries. The boundaries might increase to include properties that were previously in low- or moderate-risk zones, or they might decrease to exclude properties that were previously in high-risk zones. These changes will impact community development. The most direct impact on an affected homeowner will be changes in flood insurance rates and requirements. A Federal flood insurance requirement applies to structures in SFHAs that carry a mortgage backed by a federally regulated lender or servicer. Flood insurance rates are lower in areas of low- or moderate-risk, but flooding can still occur in these areas. Therefore, FEMA recommends flood insurance coverage, even if it is not required by law or lender.

Show All Answers

1. How can I view the New Flood Maps/What FEMA flood zone is my property in?
2. How will I know if I am in the floodplain from the maps?
3. Where else can I go to see Flood Maps?
4. Who can assist with other questions?
5. My house has never flooded. Why is my property shown in a high-risk flood zone?
6. What is a Special Flood Hazard Area (SFHA)?
7. How are the maps updated?
8. What is the process when FEMA changes a FIRM?
9. When will the new maps become effective?
10. How will the new flood hazard maps affect me?
11. Can the City provide a letter indicating the floodplain status of my property?
12. What can a property owner do if they believe they are incorrectly determined to be in a flood zone?
13. Does elevating a structure on posts or pilings remove a building from the SFHA?
14. Who should get flood insurance?
15. How is flood insurance purchased? Who can answer insurance questions?
16. Is the purchase of flood insurance mandatory?