Frequently Asked Questions (FAQs)

WHAT IS THE NFIP?

Congress established the National Flood Insurance Program (NFIP) due to escalating costs to taxpayers for flood disaster relief. The NFIP is based on the agreement that if a community practices sound floodplain management, the Federal Government will make flood insurance available to residents in that community. Federal Emergency Management Agency (FEMA) maps include the Special Flood Hazard Area (SFHA), which is the area that has a one percent or greater chance of flooding in any given year — also known as the 100-year floodplain. Development may take place within the SFHA if it complies with local floodplain ordinances that meet NFIP criteria.

WHAT IS A FLOOD RATE INSURANCE MAP (FIRM)?
WHY ARE THE MAPS BEING UPDATED?
WHAT COORDINATE SYSTEM INFORMATION IS BEING USED?
HOW DO I FIND OUT IF A STRUCTURE OR PROPERTY IS LOCATED IN THE SPECIAL FLOOD HAZARD AREA?
WHAT IS A PROTEST?
WHAT IS AN APPEAL?
WHAT HAPPENS AFTER THE APPEAL PERIOD?
WHAT IF A STRUCTURE IS SHOWN IN A DIFFERENT FLOOD ZONE ON THE NEW MAP?
IS THERE ANY RECOURSE IF I DO NOT AGREE WITH THE NEW MAP?
HOW CAN I REQUEST A LETTER OF MAP AMENDMENT? (LOMA)?
WILL LOMAS ISSUED UNDER THE OLD MAP BE VALID UNDER THE NEW MAP?
HOW CAN I PURCHASE FLOOD INSURANCE?
WHAT FACTORS DETERMINE FLOOD INSURANCE PREMIUMS?
HOW CAN I REDUCE FLOOD INSURANCE PREMIUM RATES?