National Flood Insurance Program

Flood Insurance

Existing homes and businesses
If your property is located in a 100 year special flood hazard zone (area with a 1% chance of flooding in any year) as determined by FEMA, all federally insured loans will require flood insurance unless:

  • Your home/building has been elevated during construction so that it is no longer at risk
  • Your home/building has been constructed using flood resistant materials

The FEMA Elevation Certificate and/or FEMA Letter of Map Amendment (LOMA) are the tools you as a single family homeowner or property owner can use to show your lender / insurer that the building located on the property is no longer at risk or at reduced risk for the 100 year flood event. FEMA may charge a fee for review of LOMA's.

* Please note that some lenders may require flood insurance as a condition of the loan; that is their right as lender.

New Construction
The City requires new construction or substantial reconstruction/improvements to comply with the existing Flood Plain Ordinance.

Compliance includes elevation of the finished floor to the existing base flood elevation or higher and may require submittal to FEMA of a Conditional Letter of Map Revision (CLOMR), Conditional Letter of Map Amendment (CLOMA) and a Letter of Map Revision, Letter of Map Revision based on Fill, and Letter of Map Amendment (LOMR, LOMR-F and LOMA respectively). FEMA may charge a fee for review.

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