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Flood Map Modernization
The Department of Homeland Security's Federal Emergency Management
Agency (FEMA) has initiated a Multi-Hazard Flood Map Modernization
effort that will result in the improved accuracy and expanded utility of
the nation's current flood map resources. Through FEMA's multi-year map
modernization project, all of the nation's flood maps will be converted
to a digital format, incorporating the best available flood risk data
for use with the National Flood Insurance Program.
Flood Maps: A Risk Management Must
Flood hazard maps, also known as Flood Insurance Rate Maps (FIRMs), are
important tools in the effort to protect lives and properties in Erie
County. By showing the extent to which areas of the county-and
individual properties-are at risk for flooding, flood maps help business
and property owners make better financial decisions about protecting
their property. These maps also allow community planners, local
officials, engineers, builders, and others to make important
determinations about where and how new structures and developments
should be built.
A Better Picture Of Flood Hazards
Over time, water flow and drainage patterns have changed dramatically
due to surface erosion, land use and natural forces. The likelihood of
inland, ravine and coastal flooding in certain areas has changed along
with these factors. New digital mapping techniques will provide more
detailed, reliable and current data on county flood hazards. The result:
a better picture of the areas most likely to be impacted by flooding and
a better foundation from which to make key decisions.
The flood map modernization project is a joint effort between the
Federal Emergency Management Agency (FEMA), the Ohio Department of
Natural Resources, Erie County, in cooperation with association and
private sector partners.
Flood Insurance Requirements and Options
When the new maps are adopted, flood insurance requirements will change.
However, options exist that will allow property owners to save money
while still protecting their property.
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If Maps Show... |
These Requirements, Options And Savings
Apply |
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Change from
Low or
Moderate flood
Risk to high
risk |
Flood
insurance is mandatory. Flood insurance will be
federally required for most mortgage holders. Insurance
costs may rise to reflect the true (high) risk. |
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Grandfathering
offers savings. The National Flood Insurance Program
(NFIP) has "grandfathering" rules to recognize policyholders who
have built in compliance with the flood map or who maintain
continuous coverage. An insurance agent can provide more
details on how to save. |
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Change from
High flood
risk
To low or
Moderate risk |
Flood
insurance is optional, but recommended. The risk has
only been reduced, not removed. Flood insurance can
still be obtained, at lower rates. Twenty-five 25 percent
of all flood insurance claims come from low to moderate-risk
areas. |
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Conversion
offers savings. An existing policy can be converted to
a lower cost Preferred Risk Policy. |
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No change in
Risk level |
No change in
insurance rates. Property owners should talk to their
insurance agent to learn their specific risk and take steps to
protect their property and assets. |
To ensure that everyone within Erie County has access
to the most accurate and up-to-date information about flood hazards, the
new maps are being available for public view and review.
To review the Preliminary Flood Insurance Rate Maps (FIRMs) or obtain more
information regarding this initiative visit the ODNR's Division of Water
Floodplain Management site at
http://ohiodnr.com/Home/programdirectory/water/tabid/10634/Default.aspx
A set of Preliminary Maps are also available for review in the Erie
County Office of Regional Planning located at 2900 Columbus Avenue,
Sandusky.
For Frequently Asked Questions (FAQs) About Erie County's New Flood Hazard
Maps click here.
Other links for sources of general information about the National Flood
Insurance Program (NFIP):
http://www.fema.gov
http://www.hazards.gov
http://www.floodsmart.gov
http://www.dnr.state.oh.us/Water/FloodPlains/FloodInsurance/tabid/18985/Default.aspx
FEMA Map Assistance Center 1-877-FEMA MAP
To Purchase flood hazard maps for a nominal fee: 1-800-358-9616
For questions on flood policy coverage and rates: 1-800-427-4661
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