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Video instructions and help with filling out and completing How to read a flood elevation certificate
The purpose of this learning module is to explain how to read a flood insurance rate map and a flood insurance study since the 1970s FEMA has been creating storing and updating flood hazard maps for the NFIP communities across the United States flood insurance rate mats or firms are the primary tool for governments to mitigate the effects of flooding in their communities intended to reduce future damage and prprotection for property owners through an insurance mechanism that allows premium to be paid by those most in need of protection maps show areas subject to flooding based on historic meteorological hydrologic and hydraulic data as well as open space conditions flood control works and Community Development features on a flood insurance rate map include common physical features such as major highways secondary roads lakes railroad streams and other waterways special flood hazard areas or SFA's also known as flood zones base flood elevations vfe S or depths flood insurance risk zones such as a AE and X and areas subject to inundation by the 0.2% chance or 500 year flood in zone a es only FEMA distributes maps to many users citizens insurance agents real estate brokers community officials lending institutions and federal agencies all use them flood maps have a role in the administration of floodplain management regulations mitigation of flood damage and determination of whether insurance is required to prepare Maps FEMA and its cooperating technical partners in Kentucky the Kentucky division of water conduct engineering studies referred to as flood insurance studies or fyssas which will be discussed in greater detail later in this module using the information from the fist engineers and cartographers delineate special flood hazard areas on flood maps these areas are subject to inundation by a flood that has 1% or greater chance of being equalled or exceeded in any near this type of flood is commonly referred to at the 100-year or base flood the 100-year flood is not a flood that occurs once every hundred years in fact this statistical flood has a 26 percent chance of occurring during a 30 year period the length of mini mortgages the 1% annual chance flood is a regulatory standard used by many agencies to administer floodplain management programs and by the NFIP as a basis for insurance requirements nationwide copies of your local flood maps may be viewed at your local repository usually a local planning and zoning office or from the FEMA map service center at MSC FEMA gov the index serves as a guide to map sheets found on a flood map since the geographic coverage of a flood map may be quite large FEMA divides the area into sections called panels the index is provided to indicate what areas are shown on each map each map for your community is called a panel when a firm contains multiple panels that means that the flood map will not fit on one page the number of panels depends on.