Floods are a major issue all over the country. FEMA (Federal Emergency Management Agency) works diligently to help property owners prepare for potential floods. They do this in many ways, such as by creating “Flood Maps”. If you’ve never heard of a Flood Map, you should familiarize yourself with what it is and how it can help. To help catch you up on the subject, I’ll breakdown the most important aspects of a Flood Map. That way, you can properly prepare for such an event happening in your area.
Flood Maps illustrate important areas in a community such as its:
- Base Flood Elevation (BFE)
- Flood Zones
- Floodplain Boundaries
If you don’t know what a floodplain is, National Geographic defines it as: “a generally flat area of land next to a river or stream”. It’s important to know that a Flood Map does more than just point out the aforementioned areas of interest. It also contains key information about determining local flood insurance requirements, flood insurance rating, and floodplain management.
You can find Flood Map information for areas all across the country via FEMA’s Flood Map Service Center. Something you should know about Flood Maps is that they have to be changed from time to time. This is due to local factors such as community development over time, as well as a list of natural forces (wildfires, changes to the terrain or weather).
These changes to a Flood Map can lead to insurance alterations. When a Flood Map is updated, your flood insurance cost/requirements are also subject to change.
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