Is My Property in the Floodplain?

Is my property in the floodplain?

 

  1. Go to FEMA's Map
     
    • FEMA’s site will assist you
    • Type in your address and zip code

  2. Read the FEMA document “Understanding your Flood Risk

  3. Review FIRM – Flood Insurance Rate Maps
     
  4. Review FEMA's website - Mandatory Purchase of Flood Insurance Guidelines

    • p. 11 (2) Responsibility in Determining a Building’s Location
      Section 42 of U.S.C. § 4012a sets the ultimate responsibility to place flood insurance on the applicable lender, yet allows for limited reliance on third parties to the extent that the information they provide is guaranteed.

    • p. 37 (1) Determination Process
      The lender must take the responsibility for making flood zone determinations, either by making the determination internally or acquiring determination services from third party. FEMA does not perform individual property flood hazard determinations. The 1994 Reform Act states that the lender may provide for the acquisition or determination of flood hazard information to be made by a person other than the lender only to the extern that such person guarantees the accuracy of the information.

  5. Purchase Flood Insurance.

  6. Hire a licensed surveyor to complete a Letter of Map Amendment

    • An elevation certificate is also required with the LOMA
    • Submit documents to FEMA