FAQs for Homeowners

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Floodplain Management

Expand/Contract Questions and Answers

  • Does my community participate in the National Flood Insurance Program (NFIP)? If it does, how does that affect me?

  • What is a Flood Insurance Study (FIS) report and where can I obtain one for my community?

  • How do I obtain a copy of the Elevation Certificate for my property?

  • My lender says I need to buy flood insurance. However, I looked on the Floodsmart.gov site, and it says I am at low risk. Which one is FEMA's official answer as to which flood zone my house is located

  • I have looked at the Flood Insurance Rate Map (FIRM) for the area of my property and think the map is wrong. How can the map be changed?

  • Where can I learn more about purchasing flood insurance?

  • New maps (preliminary or effective) show my home now to be located in a Special Flood Hazard Area (SFHA); how does this affect my property and me?

  • If I disagree with my lender's determination that I am in a Special Flood Hazard Area (SFHA), what can I do?

  • How do I find out in which "flood hazard area" or "flood zone" my home is located?

  • How do I obtain or review the flood map for my area, and how do I read it?