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The penalties for not securing all permits are as follows:
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Any land that is susceptible to being inundated by water from any source. A general and temporary condition of partial or complete inundation of normally dry land area from:
The floodway includes the channel of a river and the adjacent floodplain that state standards specify smaller allowable increases. FEMA requires the community to designate a floodway to avoid the possibility of significantly additional rise in base flood elevations.
You can request this information in writing (email, fax, or deliver requests) to the County Floodplain Administrator.
To assure we have the correct location, please submit with your request:
You may also use the FEMA Map Service Center and Flood Map Store. Digital versions and images of flood maps are now available for viewing and printing from the online FEMA Flood Map Store. The Flood Map Store allows users to create a FIRMette at no cost. A FIRMette is a section of the flood hazard map at 100% scale that can be printed on standard paper sizes.
A number of factors determine the premium rates for flood insurance coverage.
Factors for buildings in SFHAs include:
The only buildings in Zones B, C, and X which are eligible for preferred risk coverage at a pre-determined, reduced premium rate are single-family and 1 to 4 family dwellings. For these exceptions, there are certain loss limitations depending on the amount of insurance purchased.
Substantial improvement means any rehabilitation, addition, or other improvement of a building when the cost of the improvement equals or exceeds 50% of the market value of the building before start of construction of the improvement.
The term includes buildings which have incurred "substantial damage," or damage of any origin sustained by a building when the cost of restoring the building to its pre-damaged condition would equal or exceed 50% of the market value of the building before the damage occurred. Substantial damage is determined regardless of the actual repair work performed.
Substantial improvement or damage does not, however, include any project for improvement of a building to correct existing violations of state or local health, sanitary, or safety code specifications which have been identified by the local code enforcement official and which are the minimum necessary to assure safe living conditions. Also excluded from the substantial improvement requirement are alterations to historic structures as defined by the NFIP.
Flood hazard areas are determined using:
The detailed FIS covers those areas that are subject to flooding from rivers and streams, along coastal areas and lake shores, or in shallow flooding areas, but do not include areas of less than one square mile.
The Flood Insurance Rate Map (FIRM) shows areas within the 100-year flood boundary, which are termed "Special Flood Hazard Areas (SFHAs)."
A "100 year flood" does not refer to a flood that occurs once every 100 years, but refers to a flood level with a 1% or greater chance of being equaled or exceeded in any given year. The SFHAs may be further subdivided into insurance risk rate zones. Areas between the 100 year and 500 year flood boundaries are termed "moderate flood hazard areas." The remaining areas are above the 500 year flood level and are termed "minimal flood hazard areas."
Historically, about one-third of claims paid by the NFIP are for flood damage tin areas identified as having only "moderate" and "minimal" risk of flood. Flooding in these often is the result of inadequate local drainage 25 systems, and such flooding sources with small drainage areas are generally not identified on FIRMS.
The SFHAs are subdivided into flood hazard zones (insurance risk rate zones) according to the following criteria:
Three procedures have been established for changing or correcting a flood map.
A LOMA is the result of an administrative procedure in which the Federal Insurance Administrator reviews scientific or technical data submitted by the owner or lessee of property who believes the property has incorrectly been included in a designated SFHA. A LOMA amends the currently effective FEMA map and establishes that a property is not located in a SFHA.
Although FEMA may issue a LOMA, it is the lending institution's prerogative to require flood insurance as a condition of its own beyond the provisions of the Flood Disaster Protection Act of 1973 before granting a loan or mortgage. Those seeking a LOMA should first confer with the affected lending institution to determine whether the institution will waive the requirement for flood insurance if a LOMA is issued. If so, the policyholder may cancel flood insurance coverage and obtain a premium refund.
In general, the scientific or technical data needed to effect a map amendment include certified topographic data and/or hydro-logic and hydraulic analyses to support the request for amendment or revision.
A LOMR is an official revision to the currently effective FEMA map.
It is used to change:
All requests for LOMRs must be made to FEMA through the chief executive officer of the community, since it is the community that must adopt any changes and revisions to the map. A LOMR is usually followed by a physical map revision.