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FEMA Flood Mapping Update

FM42071C0303FIf your property is located near a stream or river, you’ve probably had to purchase flood insurance coverage at one time or another.  Insurance companies set their premium rates based on maps issued by the Federal Emergency Management Agency (FEMA).   These Flood Insurance Rate Maps, or FIRMs, indicate the base flood levels in the area, and your rates are determined based on the relationship of your dwelling, business, or property to those elevations.

FEMA is currently working on updates to the FIRMs, with the new maps for many local municipalities becoming effective in April of 2016.  In fact, many municipalities have already been requiring new projects in the planning stage to comply with the updated maps.

When the FIRMs are updated, the base flood elevations are often increased to reflect the effect of development within the watershed.  As a result, these updates may result in your property needing flood insurance coverage when it previously did not.  Property owners often do not find this out until they refinance their mortgage or decide to sell the property to someone who applies for a new mortgage.

DM/A provides a variety of services to assist you in this area.  We prepare flood studies, elevation certificates, Letters of Map Amendment (LOMA), and Letters of Map Revision (LOMR).  To find out how we can help, give us a call.

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