The FEMA Flood Map Service Center (MSC) is the official online location to find all flood hazard mapping products created under the NFIP, including your community’s flood map. User can search by area of interest, address, TMK number, stream or watershed name, and by a specific Letter of Map Change (LOMC). The FHAT is an informational map viewer that displays FEMA’s Geographic Information Systems (GIS) version of the FIRM map. The Department of Land and Natural Resources has developed and maintains the Hawai'i Flood Hazard Assessment Tool (FHAT). – to help guide mitigation actions to reduce future exposure to flood risk. – to determine flood insurance requirements and policy premiums and – as a basis of determining applicable floodplain management regulations for development within the floodplain Property owners, insurance agents, lenders, design professionals, and government officials are among the many NFIP stakeholders that utilize the FIS and FIRM maps: FEMA maintains and updates the flood hazard data through risk assessments, which are used to revise the Flood Insurance Studies (FIS) and Flood Insurance Rate Maps (FIRMs). These regulatory flood maps are called a Flood Insurance Rate Map. Specifically, flood maps show a community’s flood zone, floodplain boundaries, and base flood elevation. If you don’t have flood insurance, you may qualify for the lower-cost Preferred Risk Policy, which automatically includes contents coverage.Flood maps are an important part of the National Flood Insurance Program (NFIP) as it show a community’s risk of flooding. If you have a flood insurance policy, talk with your insurance agent to see if you are fully insured to receive replacement cost for your home and that you have contents coverage. More than 40% of NFIP flood claims in Texas are from policyholders in Zone X. When the new maps go into effect, your property may be closer to a high-risk area than before. Most homeowner policies do NOT cover damage due to flooding. ![]() However, this is a good time to review your flood insurance coverage with your insurance agent. While map changes will affect some property owners, many residents and business owners are not affected. No additional money is needed up front, and you will get a refund for the cost difference. Residents and business owners are strongly encouraged to ask their insurance agent to convert their more expensive high-risk policy to the lower-cost Preferred Risk Policy and maintain coverage. The reduction in flood risk typically means flood insurance will be cheaper when the maps become effective. are from policyholders in the lower-risk Zone X. About 25% of NFIP flood claims in the U.S. If your property’s flood risk is changing from a high-risk area (Zone A) to a moderate- or low-risk area (Zone X), the federal requirement to carry flood insurance by lenders is removed however, the flood risk is not…it is just reduced. The NFIP grandfathering rule allows policyholders who have a policy in effect before the new maps become effective or have built-in compliance with the flood map in effect at the time of construction to keep their previous flood zone or BFE to calculate their insurance rate. Grandfathering allows property owners to “lock in” the lower risk flood zone or BFE for future rating. If the flood risk is increasing and your property will have a higher Base Flood Elevation (BFE), the NFIP offers a cost-saving flood insurance rating option know as Grandfathering. Rates will then go up no more than 18% each year until they reach a standard Zone X rate, or the rate based on the new flood map, whichever is cheaper. With this option, property owners who buy a policy within the first 12 months after a new map becomes effective are eligible for the lower-cost Preferred Risk Policy (PRP). The National Flood Insurance Program (NFIP) offers a cost-saving flood insurance rating option called the Newly Mapped Procedure. ( Spanish Version). If your home or business is newly identified as being in a high-risk flood area, most lenders must require you to carry flood insurance. Check the different scenarios below, which include your options for reducing any financial impacts. ![]() If you find that your flood risk has changed, it is important to know how that change may affect your requirement for and cost of flood insurance. Some may now be required to carry flood insurance, while others will no longer have to. When flood maps are updated, some residents and business owners may find that their property's flood risk is higher or lower than before.
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