If FEMA grants the map amendment or revision request, the property owner may no longer be required to pay flood insurance. Significant rainfall events or tropical storm surge can result in repeat flooding within some areas of the county. This is a formal determination by FEMA of a property's location and/or elevation relative to the Special Flood Hazard Area. If you think the flood map boundaries are incorrect, you can apply for a Letter of Map Change. Base flood elevations derived from detailed analyses are shown at selected intervals within these zones These areas have a 26% chance of flooding over the life of a 30‐year mortgage. Zone VE - coastal areas with a 1% or greater chance of flooding and an additional hazard associated with storm waves.No base flood elevations are shown within these zones. Zone V - coastal areas with a 1% or greater chance of flooding and an additional hazard associated with storm waves.Zone AE - 100-year floodplain, the base floodplain where base flood elevations are provided.Because detailed analyses are not performed for such areas, no base flood elevations are shown. Zone A - 100-year floodplain, areas with a 1% annual chance of flooding and a 26% chance of flooding over the life of a 30‐year mortgage.High Risk Areas (Special Flood Hazard Area) Includes areas of moderate flood hazard, such as base floodplains and shallow flooding areas, and minimal flood hazard, which may still have ponding and local drainage problems. Zone X - Floodplain area with a 0.2% (or 1 in 500 chance) or less annual chance of flooding.To view the effective flood zone for a property or area, visit Hillsborough County’s Effective Flood Zone Viewer. Talk to your insurance provider about your policy and consider if you need additional coverage. Most homeowners insurances do not cover flood damage. Evacuation zones are based on hurricane storm surge zones determined by the National Hurricane Center using ground elevation and the area's vulnerability to storm surge from a hurricane.įlood maps, also known as Flood Insurance Rate Maps, provided by the Federal Emergency Management Agency (FEMA) are a useful tool for assessing a property’s flood risk, and also are a factor in flood insurance and building requirements. Landmark has the experience and expertise to help take the mystery out of all available options.Ĭall Scott Fowler at 813♶21♷841 Extension 24 or email to enlist our assistance in FEMA matters.During a storm, you need to know your Evacuation Zoneįlood zones are areas mapped by FEMA for use in the National Flood Insurance Program. Navigating through the FEMA process is daunting. Making sure all pertinent information is uncovered for the proper determination of the premiums is important and Landmark is here and ready to help. Purchasing Flood Insurance is a decision that each individual homeowner must make. This letter also allows those interested in purchasing Flood Insurance to get more preferable rates. Upon receipt of the Letter from FEMA, the requirement for Flood Insurance is typically dropped by most lenders. We are also available for consultation regarding application to FEMA for a Letter of Map Revision ( LOMR) for those portions of a community that may qualify. Or equally important, Flood Insurance is available at more preferable rates should the homeowner still desire to purchase it. Typically, this removes the requirement for Flood Insurance. In several of these instances, circumstances exist that could return the property in question to the previous Zone, outside the Special Flood Hazard Area. We have fielded several calls from people who have received letters from their lenders stating they are now “in a flood prone area” and are being compelled to purchase flood insurance. Landmark Engineering & Surveying Corporation is prepared and equipped to take the guesswork out of how these new maps and the new Zone designations affect homeowners. These new maps have caused much consternation and confusion. We act as a liaison with FEMA as needed, helping floodplain managers tame their community’s risk through participation in the National Flood. Several revisions to the maps have been made, but this is the first comprehensive re-mapping of the county since the maps were first issued in June of 1980. To lookup your effective flood zone, enter your address into the search bar and zoom into the map so that you property lines are visible. The State’s Division of Emergency Management’s Floodplain Management Programs support Utah’s local communities by providing flood risk studies and maps, and floodplain management best practices. These actuarial maps assign flood risks to property in Hillsborough County. In August 2008, the Federal Emergency Management Agency ( FEMA) adopted new Flood Insurance Rate Maps for all of Hillsborough County.
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