FEMA floodplain maps are important tools used by communities to analyze potential flood damage by displaying information on the size and shape of a floodplain. Floodplains are areas surrounding bodies of water. When excess water from a storm causes overflow, it will travel into the floodplain. Knowing if property is located in a floodplain determines its level of flood risk, and helps guide decisions regarding community development or the need for insurance.
FEMA Floodplain Maps and Insurance
A flood can happen anywhere. The relative risk determines insurance requirements, including cost. A property owner can evaluate their risk by checking the community flood map. Living and working in a floodplain requires a proactive mindset so communities are ready when a significant flooding event occurs.
The creation and maintenance of these maps are a collaboration among FEMA and communities. Communities that develop these tools are also eligible to participate in the National Flood Insurance Program. This program provides insurance that reduces socio-economic impact from flood damage.
Changing Flood Zone Designations
As communities continue to grow, it is important to evaluate the risk of flooding. Construction and other development impacts water flow systems. Changes in terrain may mean the community’s FEMA floodplain map needs to be updated to reflect changes in risk potential. Updates require collaboration among FEMA, a community, and an engineering firm.
OEI’s LOMC Record of Success
Map changes require a proposal called a Letter of Map Change (LOMC) to be submitted to FEMA. LOMC proposals must be prepared by a professional engineering firm. OEI has a long-standing positive relationship with FEMA. Our extensive experience includes the submission of over 1,000 LOMC requests for various communities. None of these requests have ever been denied.
Does your FEMA floodplain map need to be updated? Contact us today to begin the collaborative process to ensure the safety of your community.