Information for property owners, renters, and businesses regarding how to find your property on a floodplain map, lender flood insurance requirements, developing in a floodplain area, and flood insurance.
How to find out if a structure or property is shown to be in the floodplain:
- Find Your Flood Zone and Create a Printable Version of a Map
- How to View Preliminary Maps and Additional Products
- Comparing Preliminary and Effective Flood Maps
- How to View Pending Maps and Additional Products
Floodplain Maps and Studies
What to know when your lender determines your structure/property is in the floodplain and what options you have:
Anyone who applies for a federally-funded mortgage/loan or refinancing on an existing home in flood-prone areas will be required to carry flood insurance for the life of the mortgage/loan. Generally, the only documentation that lenders will accept to change their floodplain determination is a FEMA Letter of Map Amendment. For more information, see the links below.
- FEMA LOMA application process to remove a structure or property from the floodplain
- Letter of Map Amendment (LOMA)
What to know about developing in a floodplain:
If a community participates in the NFIP, the community has adopted at least the minimum NFIP standards into the community's floodplain regulations. Some communities adopt stricter floodplain regulations. For more information, see the links below.
- Community floodplain regulations and permitting
- 12 Key Floodplain Management Regulations
- Homeowner's Guide to Elevation Certificates
- Elevation Certificate – How to review to ensure compliance with floodplain ordinance
- Technical information and guidance on various floodplain regulations
What to know about changes that can be made to an existing structure in the floodplain:
What to know about flood insurance:
Everyone lives in a flood zone. You can protect your home, business, and belongings with flood insurance from the NFIP. Flood insurance is necessary because homeowners insurance does not cover flood losses.
- Overview of flood insurance and recent flood insurance rate changes
- To learn more or to purchase flood insurance - contact your existing insurance agent or go to FEMA FloodSmart