Flood Damage >> Flood Insurance Rate Map

Zone AO: Areas subject to inundation by 1-percent-annual-chance shallow flood insurance rate map (usually sheet flow on sloping terrain) where average depths are 1–3 feet. Average Flood Insurance Rate Map depths derived from detailed hydraulic analyses are shown within this zone. Mandatory flood insurance rate map insurance purchase requirements apply. 

Areas subject to inundation by the 1-percent-annual-chance flood insurance rate map event, but which will ultimately be protected upon completion of an under-construction Federal Flood Insurance Rate Map protection system. These are areas of special flood insurance rate map hazard where enough progress has been made on the construction of a protection system, such as dikes, dams, and levees, to consider it complete for insurance rating purposes. 

Zone A99 may be used only when the flood insurance rate map protection system has reached specified statutory progress toward Flood Insurance Rate Map completion. No BFEs or flood insurance rate map depths are shown. Mandatory flood insurance rate map insurance purchase requirements apply. 

Zone AR: Areas that result from the decertification of a previously accredited Flood Insurance Rate Map protection system that is determined to be in the process of being restored to provide base flood insurance rate map protection. Mandatory flood insurance rate map insurance purchase requirements apply. 

Zones AR/AE, AR/AH, AR/AO, AR/A1–A30, and AR/A: Dual flood insurance rate map zones that, because of the risk of flood insurance rate map from other water sources that the Flood Insurance Rate Map protection system does not contain, will continue to be subject to flood insurance rate map after the flood insurance rate map protection system is adequately restored. 

Mandatory flood insurance rate map insurance purchase requirements apply. Zones B, C, and X: Areas identified in a community's FIS as areas of moderate or minimal hazard from the principal source of Flood Insurance Rate Map in the area. However, buildings in these zones could be flood insurance rate map by severe, concentrated rainfall coupled with inadequate local drainage systems. 

Local storm water drainage systems are not normally considered in a community's FIS. The failure of a local drainage system creates areas of high flood insurance rate map risk within these Flood Insurance Rate Map rate zones. Flood insurance rate map insurance is available in participating communities but is not required by regulation in these zones. 

Zone X is used on new and revised maps in place of Zones B and C. Zone D: Unstudied areas where flood insurance rate map hazards are undetermined, Flood Insurance Rate Map but flood insurance rate map is possible. No mandatory flood insurance rate map insurance purchase requirements apply, but coverage is available in participating communities. 

What is a regulatory flood insurance rate map, and who designates it? A regulatory flood insurance rate map, which is adopted into a community's flood insurance rate map management ordinance, includes the stream channel plus the portion of the Flood Insurance Rate Map outside of the channel banks. 

That portion must be kept free from encroachment so that water flows may pass without increasing flood insurance rate map levels by more than 1.0 foot (some states specify a smaller allowable increase). The intention of the flood insurance rate map designation is not to preclude development. Rather, Flood Insurance Rate Map it is intended to assist communities in managing flood insurance rate map development and its impacts on other property owners. 

The community is responsible for prohibiting encroachments including fill, new construction, and substantial improvements within the flood insurance rate map unless hydrologic and Flood Insurance Rate Map hydraulic analyses show it will not increase flood insurance rate map levels within the community. 

In areas that fall within the 1-percentannual-chance flood insurance rate map, Flood Insurance Rate Map but are outside the flood insurance rate map (termed the "flood insurance rate map fringe”), development must cause no more than a 1.0-foot increase in the 1-percent-annual-chance flood insurance rate map levels. 89. What procedures are available for changing or correcting a FIRM? 

FEMA has established administrative procedures for changing effective FIRMs, DFIRMs, Flood Insurance Rate Map and FIS reports based on new or revised scientific or technical data. A physical change to the affected DFIRM and FIRM panels, and portions of the FIS report, are referenced as a Physical Map Revision (PMR). 

Changes can also be made by a Letter of Map Change (LOMC). The three LOMC categories are Letter of Map Amendment (LOMA), Flood Insurance Rate Map Letter of Map Revision Based on Fill (LOMR-F), and Letter of Map Revision (LOMR). They are discussed in more detail in Questions 92–94. 90. What is a Physical Map Revision (PMR)? 

A PMR is an official republication of a community's NFIP map to make changes to Base Flood insurance rate map Elevations (BFEs), Flood Insurance Rate Map boundary delineations, regulatory flood insurance rate map, and planimetric features. These changes typically occur as a result of structural works or improvements, annexations resulting in additional flood insurance rate map hazard areas, or correction to BFEs or SFHAs. 

A PMR can be initiated by FEMA to restudy an area that covers multiple map panels, but does not cover an entire community or county. A PMR can also be initiated when an application for an LOMR from the community is received by FEMA, Flood Insurance Rate Map but the revised area is greater than one panel. 

In that case, FEMA processes the map change as a PMR rather than an LOMR. A community's chief executive officer must submit scientific and Flood Insurance Rate Map technical data to FEMA to support the request for a PMR. The data will be analyzed, and the map will be revised if warranted. The community is provided with copies of the revised information and is afforded a review period. 

When BFEs are changed, a 90-day appeal period is provided. A 6-month period for formal approval of the revised map(s) is also provided. 91. What is a Letter of Map Revision Based on Fill (LOMR-F)? An LOMR-F is a letter that officially revises an effective FEMA map. An LOMR-F states FEM's determination as to whether a structure or parcel has been elevated on fill above the BFE and is, therefore, Flood Insurance Rate Map excluded from the SFHA. 

What is a Letter of Map Amendment (LOMA)? A LOMA is a letter that officially revises an effective FEMA NFIP map. A LOMA results from an administrative procedure involving the review of scientific or technical data submitted by the owner or Flood Insurance Rate Map lessee of property who believes the property has incorrectly been included in a designated SFHA or has been incorrectly identified in the wrong SFHA. 

A LOMA amends the currently effective FEMA map and establishes that a specific property is not located in the SFHA or is located within the correct SFHA. 93. What is a Letter of Map Revision (LOMR)? An LOMR is a letter that officially revises the currently effective FEMA map. It is used to change flood insurance rate map zones, flood insurance rate map and Flood Insurance Rate Map delineations, flood insurance rate map elevations, and planimetric features. 

All requests for LOMRs should be made to FEMA through the chief executive officer of the community, Flood Insurance Rate Map since it is the community that must adopt any changes and revisions to the map. If the request for an LOMR is not submitted through the chief executive officer of the community, evidence must be submitted that the community has been notified of the request. 102. How can someone obtain copies of the technical data used in preparing the published FEMA maps? 

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